Bank Of The James Financial Group Income Statement (2017-2025) | BOTJ

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Income Statement	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025
Revenue & Cost
Provisions	0.10M	0.45M	0.20M	0.25M	0.02M	0.32M	0.19M	0.19M	0.21M	0.12M	0.11M	0.09M	0.89M	0.76M	0.70M	0.20M	0.13M	-0.08M	-0.17M	-0.38M	-0.30M	-0.30M	-0.30M		0.14M	-0.25M	-0.16M	0.10M	-0.55M	-0.12M	0.09M	-0.07M	0.14M	-0.53M	0.09M
Revenue	5.70M	6.34M	0.48M	0.38M	0.46M	0.47M	0.45M	0.50M	0.44M	0.46M	0.45M	0.44M	0.49M	0.51M	0.50M	0.53M	0.55M	0.64M	0.61M	0.69M	0.59M	0.66M	1.31M	1.03M	0.98M	0.95M	1.00M	0.96M	0.95M	0.99M	0.99M	1.07M	0.98M	0.97M	1.05M
Interest income
Interest income - Loans	5.19M	5.46M	5.68M	5.75M	5.67M	6.20M	6.46M	6.51M	6.65M	6.82M	7.08M	7.01M	7.00M	6.73M	6.96M	7.33M	6.86M	6.62M	6.61M	6.44M	5.91M	6.17M	6.83M	7.27M	7.43M	7.83M	7.99M	8.13M	8.02M	8.35M	9.00M	9.13M	8.91M	9.34M	9.49M
Interest income - Investments	0.03M	0.03M	0.02M	0.02M	0.02M	0.02M	0.02M	0.02M	0.02M	0.03M	0.02M	0.02M	0.02M	0.02M	0.03M	0.05M	0.05M	0.05M	0.06M	0.09M	0.11M	0.14M	0.14M	0.17M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M
Interest Income - Debt Securities	0.23M	0.25M	0.26M	0.30M	0.24M	0.26M	0.31M	0.27M	0.31M	0.34M	0.32M	0.32M	0.26M	0.37M	0.31M	0.31M	0.29M	0.32M	0.34M	0.56M	0.66M	0.45M	0.60M	0.50M	0.48M	0.41M	0.43M	0.64M	0.81M	0.72M	0.45M	0.34M	0.47M	0.48M	0.43M
Interest Income - Deposits	0.01M	0.02M	0.02M	0.03M	0.04M	0.06M	0.06M	0.08M	0.09M	0.07M	0.09M	0.07M	0.06M	0.01M	0.01M	0.00M	0.01M	0.01M	0.01M	0.01M	0.01M	0.03M	0.10M	0.15M	0.15M	0.09M	0.13M	0.12M	0.13M	0.19M	0.30M	0.15M	0.12M	0.13M	0.15M
Interest Income - Fed Funds	0.01M	0.02M	0.04M	0.05M	0.07M	0.09M	0.10M	0.14M	0.12M	0.12M	0.09M	0.12M	0.07M	0.01M	0.01M	0.01M	0.01M	0.02M	0.03M	0.04M	0.04M	0.16M	0.26M	0.26M	0.34M	0.45M	0.81M	0.86M	0.75M	0.83M	0.98M	1.06M	0.89M	0.72M	0.66M
Interest Income - Total	5.51M	5.85M	6.07M	6.24M	6.16M	6.72M	6.98M	7.11M	7.23M	7.39M	7.60M	7.60M	7.49M	7.08M	7.34M	7.78M	7.37M	7.23M	7.32M	7.27M	6.92M	7.60M	8.40M	8.94M	9.10M	9.58M	10.14M	10.54M	10.51M	10.94M	11.56M	11.64M	11.23M	11.64M	11.77M
Interest expenses
Interest Expense - Deposits	0.47M	0.49M	0.54M	0.58M	0.58M	0.62M	0.68M	0.73M	0.75M	0.83M	0.93M	0.96M	0.95M	0.91M	0.84M	0.65M	0.37M	0.28M	0.24M	0.21M	0.18M	0.15M	0.14M	0.27M	0.86M	1.37M	1.68M	1.88M	2.09M	2.27M	2.38M	2.44M	2.08M	1.95M	2.11M
Interest Expense - Debt					0.00M	0.02M																			0.03M
Interest Expense - Fed Funds			0.01M
Interest Expense - Others																					0.11M	0.11M	0.12M	0.10M	0.10M	0.10M	0.10M	0.10M	0.09M	0.09M	0.08M	0.08M	0.09M	0.09M	0.07M
Interest Expenses	0.67M	0.71M	0.79M	0.82M	0.82M	0.92M	0.99M	1.06M	1.10M	1.24M	1.43M	1.49M	1.35M	1.16M	1.14M	0.89M	0.62M	0.52M	0.49M	0.47M	0.53M	0.47M	0.50M	0.65M	1.46M	2.24M	2.78M	3.15M	3.56M	3.84M	4.05M	3.95M	3.52M	3.39M	3.47M
Interest Income - Net	4.84M	5.14M	5.28M	5.41M	5.33M	5.80M	5.99M	6.05M	6.13M	6.15M	6.17M	6.11M	6.14M	5.92M	6.20M	6.89M	6.75M	6.71M	6.82M	6.80M	6.39M	7.12M	7.90M	8.29M	7.64M	7.34M	7.36M	7.39M	6.95M	7.09M	7.51M	7.69M	7.72M	8.25M	8.30M
Non-interest income
Interest Income - Total	4.74M	4.70M	5.08M	5.16M	5.31M	5.49M	5.80M	5.86M	5.92M	6.04M	6.06M	6.02M	5.25M	5.16M	5.50M	6.69M	6.75M	6.71M	6.82M	7.30M	6.69M	7.42M	8.20M	8.29M	7.50M	7.60M	7.53M	7.29M	7.50M	7.21M	7.42M	7.76M	7.58M	8.78M	8.21M
Service Charges	0.39M	0.44M	0.48M	0.38M	0.46M	0.47M
Investment Gain (Loss)																					1.01M	0.96M	0.96M	1.00M	1.01M	1.04M	1.05M	1.10M	1.16M	1.18M	1.24M	1.26M	1.25M	1.30M	1.36M
Investment Banking Income	0.37M	0.60M	0.69M	0.77M	0.62M	0.87M	0.77M	0.66M	0.69M	1.07M	1.34M	1.15M	1.18M	1.95M	2.46M	2.23M	1.77M	2.31M	2.09M	2.09M	1.90M	1.30M	1.47M	0.58M	0.92M	1.15M	0.99M	0.87M	0.93M	1.27M	1.33M	0.97M	0.84M	1.59M	1.24M
Other Non-Interest Income	0.10M	0.09M	0.09M	1.81M	0.10M	0.10M	0.10M	0.77M	0.09M	0.09M	0.09M	0.59M	0.08M	0.11M	0.10M	0.38M	0.17M	0.12M	0.14M	0.51M	0.13M	0.13M	0.12M	0.54M	0.13M	0.16M	0.14M	918.60M	0.16M	0.53M	0.19M	767.33M	0.19M	0.19M	0.30M
Non-Interest Income	0.86M	1.20M	1.32M	1.27M	1.19M	1.44M	1.32M	1.29M	1.22M	1.66M	2.16M	2.15M	2.19M	2.79M	3.06M	2.94M	2.43M	3.05M	2.82M	2.90M	3.63M	3.03M	3.85M	2.73M	3.04M	3.44M	3.20M	3.18M	3.31M	4.19M	3.82M	3.82M	3.28M	4.08M	4.17M
Operating Items
Amortization - Intangibles	0.01M	0.01M	0.01M	0.00M	0.00M	0.00M	0.00M	0.00M	0.00M	-0.00M		0.00M			0.00M	0.01M	0.01M	0.01M	0.01M	0.03M	0.14M	0.14M	0.14M	0.14M	0.14M	0.23M	0.05M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M	0.14M
Depreciation & Amortization - Total	0.35M	0.44M	0.36M	0.38M	0.38M	0.40M	0.41M	0.41M	0.46M	0.54M	0.53M	0.59M	0.61M	0.57M	0.56M	0.61M	0.63M	0.63M	0.63M	0.64M	0.61M	0.62M	0.65M	0.68M	0.68M	0.64M	0.50M	0.60M	0.61M	0.63M	0.64M	0.62M	0.67M	0.65M	0.70M
Wages, Salaries and Other	2.38M	2.40M	2.54M	2.70M	2.71M	2.83M	2.85M	2.88M	2.93M	3.15M	3.36M	3.65M	3.35M	3.97M	3.71M	4.39M	3.73M	4.08M	4.09M	4.48M	3.99M	4.53M	4.53M	4.63M	4.27M	4.34M	4.68M	5.01M	4.45M	4.89M	4.92M	5.04M	4.78M	5.36M	5.52M
Rent Expense	0.37M	0.36M	0.39M	0.37M	0.40M	0.36M	0.39M	0.38M	0.42M	0.42M	0.41M	0.40M	0.44M	0.38M	0.42M	0.40M	0.43M	0.41M	0.44M	0.40M	0.47M	0.43M	0.45M	0.47M	0.47M	0.46M	0.46M	0.43M	0.49M	0.49M	0.51M	0.47M	0.57M	0.50M	0.52M
Other Operating Expenses	3.78M	3.95M	4.16M	4.07M	4.32M	4.55M	4.56M	4.51M	4.72M	5.02M	5.43M	5.35M	5.15M	5.98M	5.76M	6.50M	5.83M	6.20M	6.24M	6.87M	6.57M	6.54M	7.79M	7.47M	6.93M	6.78M	7.18M	7.38M	6.99M	7.62M	7.62M	8.41M	8.59M	8.30M	7.94M
Operating Expenses	4.50M	4.76M	4.91M	4.81M	5.10M	5.31M	5.36M	5.30M	5.60M	5.97M	6.37M	6.34M	6.20M	6.93M	6.74M	7.52M	6.89M	7.24M	7.30M	7.91M	7.65M	7.59M	8.88M	8.62M	8.07M	7.88M	8.14M	8.42M	8.09M	8.74M	8.78M	9.50M	9.83M	9.46M	9.16M
Operating Income			-4.65M	-0.16M	-4.78M	-5.03M	-5.08M	-4.92M	-5.32M	-5.79M	-6.15M	-6.12M	-5.84M	-6.60M	-6.43M	-7.15M	-6.61M	-6.84M	-6.89M	-7.43M	-7.25M	-7.18M	-7.79M	-7.85M	-7.29M	-7.21M	-7.34M	-7.69M	-7.28M	-7.98M	-8.01M	-8.72M	-9.04M	-8.72M	-8.36M
EBIT	1.77M	1.85M	-4.65M	-0.16M	-4.78M	-5.03M	-5.08M	-4.92M	-5.32M	-5.79M	-6.15M	-6.12M	-5.84M	-6.60M	-6.43M	-7.15M	-6.61M	-6.84M	-6.89M	-7.43M	-7.25M	-7.18M	-7.79M	-7.85M	-7.29M	-7.21M	-7.34M	-7.69M	-7.28M	-7.98M	-8.01M	-8.72M	-9.04M	-8.72M	-8.36M
Non-operating items
Interest & Investment Income	0.11M	0.12M	0.13M	0.18M	0.20M	0.19M	0.19M	0.19M	0.18M	0.18M	0.18M	0.21M	0.19M	0.15M	0.17M	0.18M	0.19M	0.22M	0.23M	0.23M	0.26M	0.32M	0.33M	0.32M	0.32M	0.32M	0.32M	0.31M	0.34M	0.36M	0.37M	0.40M	0.45M	0.55M	0.54M
Net income details
EBT	1.10M	1.14M	1.49M	1.63M	1.40M	1.62M	1.75M	1.85M	1.54M	1.72M	1.84M	1.83M	1.24M	1.01M	1.82M	2.11M	2.29M	2.52M	2.35M	2.29M	2.67M	2.87M	3.17M	2.40M	2.47M	3.17M	2.59M	2.05M	2.72M	2.67M	2.46M	2.07M	1.04M	3.40M	3.22M
Tax Provisions	0.34M	0.36M	0.47M	1.27M	0.28M	0.32M	0.35M	0.51M	0.31M	0.34M	0.37M	0.33M	0.24M	0.19M	0.37M	1.24M	0.46M	0.51M	0.47M	0.43M	0.53M	0.57M	0.60M	0.45M	0.49M	0.63M	0.51M	0.30M	0.54M	0.52M	0.47M	0.45M	0.20M	0.69M	0.47M
Profit After Tax	0.76M	0.79M	1.01M	0.36M	1.12M	1.30M	1.40M	1.48M	1.23M	1.38M	1.47M	1.52M	0.99M	0.82M	1.45M	1.71M	1.83M	2.01M	1.88M	1.86M	2.14M	2.29M	2.57M	1.95M	1.98M	2.53M	2.08M	2.11M	2.19M	2.15M	1.99M	1.62M	0.84M	2.70M	2.75M
Equity Income																															0.04M	-0.02M			0.03M
Income from Continuing Operations	0.76M	0.79M	1.01M	0.36M	1.12M	1.30M	1.40M	1.34M	1.23M	1.38M	1.47M	1.50M	0.99M	0.82M	1.45M	0.87M	1.83M	2.01M	1.88M	1.86M	2.14M	2.29M	2.57M	1.94M	1.98M	2.53M	2.08M	1.75M	2.19M	2.15M	1.99M	1.62M	0.84M	2.70M	2.75M
Consolidated Net Income	0.76M	0.79M	1.01M	0.36M	1.12M	1.30M	1.40M	1.34M	1.23M	1.38M	1.47M	1.50M	0.99M	0.82M	1.45M	0.87M	1.83M	2.01M	1.88M	1.86M	2.14M	2.29M	2.57M	1.94M	1.98M	2.53M	2.08M	1.75M	2.19M	2.15M	1.99M	1.62M	0.84M	2.70M	2.75M
Income towards Parent Company	0.76M	0.79M	1.01M	0.36M	1.12M	1.30M	1.40M	1.34M	1.23M	1.38M	1.47M	1.50M	0.99M	0.82M	1.45M	0.87M	1.83M	2.01M	1.88M	1.86M	2.14M	2.29M	2.57M	1.94M	1.98M	2.53M	2.08M	1.75M	2.19M	2.15M	1.99M	1.62M	0.84M	2.70M	2.75M
Net Income towards Common Stockholders	0.76M	0.79M	1.01M	0.36M	1.12M	1.30M	1.40M	1.34M	1.23M	1.38M	1.47M	1.50M	0.99M	0.82M	1.45M	0.87M	1.83M	2.01M	1.88M	1.86M	2.14M	2.29M	2.57M	1.94M	1.98M	2.53M	2.08M	1.75M	2.19M	2.15M	1.99M	1.62M	0.84M	2.70M	2.75M
Additional items
EPS (Basic)	0.16	0.16	0.21	0.07	0.26	0.30	0.32	0.34	0.28	0.31	0.34	0.35	0.23	0.17	0.30	0.36	0.38	0.42	0.40	0.39	0.45	0.48	0.55	0.43	0.43	0.56	0.46	0.47	0.48	0.47	0.44	0.36	0.19	0.60	0.61
EPS (Weighted Average and Diluted)					0.26	0.30	0.32	0.34	0.28	0.31	0.34	0.35	0.23	0.19	0.34	0.29	0.38	0.42	0.40	0.39	0.45	0.48	0.55	0.43	0.43	0.56	0.46	0.47	0.48	0.47	0.44	0.36	0.19		0.61
Shares Outstanding (Weighted Average)	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.82M	4.81M	4.77M	4.77M	4.77M	4.77M	4.76M	4.76M	4.74M	4.74M	4.74M	4.74M	4.71M	4.63M	4.58M	4.54M	4.54M	4.54M	4.54M	4.54M	4.54M	4.54M	4.54M	4.54M	4.54M
Shares Outstanding (Diluted Average)																4.78M	4.77M	4.76M	4.75M	4.75M	4.74M	4.74M	4.72M	4.70M	4.62M	4.58M	4.57M	4.56M	4.54M	4.54M	4.54M	4.54M	4.54M		4.54M
EBITDA	2.12M	2.29M	-4.29M	0.21M	-4.40M	-4.63M	-4.67M	-4.51M	-4.86M	-5.25M	-5.63M	-5.53M	-5.24M	-6.03M	-5.87M	-6.54M	-5.98M	-6.21M	-6.27M	-6.79M	-6.64M	-6.56M	-7.14M	-7.17M	-6.61M	-6.57M	-6.84M	-7.09M	-6.67M	-7.35M	-7.37M	-8.10M	-8.37M	-8.06M	-7.67M
Tax Rate	31.03%	31.15%	31.83%	77.86%	19.67%	19.90%	20.00%	27.60%	19.87%	19.94%	20.11%	17.82%	19.56%	18.87%	20.24%	58.61%	19.97%	20.14%	19.82%	18.82%	19.98%	20.03%	18.93%	18.86%	19.71%	19.99%	19.74%	14.62%	19.65%	19.43%	19.24%	21.84%	18.96%	20.42%	14.48%

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Bank Of The James Financial Group Income Statement (2017-2025) | BOTJ

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