{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-25-000101","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.814481+00:00","generated_at":"2026-05-23T02:02:36.934617+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BOTJ Q1 net income down 61% to $842k ($0.19 EPS) on $1M one-time consultant fee","bullets":["Net income $842k ($0.19 EPS) vs $2.19M ($0.48) Q1 2024; revenue (NII after provision) $7.58M vs $7.50M.","Noninterest expense rose to $9.83M from $8.09M, including ~$1M one-time fee for core contract renegotiation.","Net interest margin improved to 3.25% (Q1 2024: 3.02%); loans net of ACL grew to $642.4M from $636.6M (Dec 2024).","Company plans to repay $10M capital notes in June, saving ~$327k annually; dividend of $0.10/share declared.","Nonperforming loans/total loans low at 0.28%; book value per share $15.04, up from $14.28 at Dec 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-25-000101","json":"https://secwatch.observer/filing/0001562762-25-000101.json","markdown":"https://secwatch.observer/filing/0001562762-25-000101.md","text":"https://secwatch.observer/filing/0001562762-25-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276225000101/0001562762-25-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276225000101/botj-20250430x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:02:36.934617+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}