Bank of the James Q2 2025 net income $2.70M, EPS $0.60; assets corrected to $1.004B

BANK OF THE JAMES FINANCIAL GROUP INC

2025-Q2 EPS reported $0.78 revenue$1,956,000

Q2 net income of $2.70M ($0.60/diluted share) vs $2.15M ($0.47) a year ago.
Net interest margin improved to 3.45% in Q2 2025 vs 3.02% in Q2 2024.
Loans net of allowance grew to $649.09M at June 30, 2025 from $636.55M at Dec 31, 2024.
Capital notes of ~$10M retired; expected to reduce annual interest expense by ~$327,000.
Quarterly dividend of $0.10/share declared, payable Sept 26, 2025 to holders of record Sept 12.

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