0001562762-22-000029.txt : 20220215 0001562762-22-000029.hdr.sgml : 20220215 20220215123335 ACCESSION NUMBER: 0001562762-22-000029 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220211 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220215 DATE AS OF CHANGE: 20220215 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANK OF THE JAMES FINANCIAL GROUP INC CENTRAL INDEX KEY: 0001275101 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 200500300 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35402 FILM NUMBER: 22638040 BUSINESS ADDRESS: STREET 1: P O BOX 1200 CITY: LYNCHBURG STATE: VA ZIP: 24505 BUSINESS PHONE: 4348462000 8-K 1 botj-20220211x8k.htm 8-K botj-20220211x8k
false000127510100012751012022-02-112022-02-11

 

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

Current Report

Pursuant to Section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): February 11, 2022

 

_________________

 

BANK OF THE JAMES FINANCIAL GROUP, INC.

(Exact Name of Registrant as Specified in Its Charter)

 

_________________

 

Virginia

 

001-35402

 

20-0500300

(State or other jurisdiction of

incorporation or organization)

 

(Commission

File Number)

 

(I.R.S. Employer

Identification No.)

828 Main Street, Lynchburg, VA

 

24504

(Address of principal executive offices)

 

(Zip Code)

(434) 846-2000

(Registrant’s telephone number, including area code)

 

_________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class

 

Trading

Symbol(s)

 

Name of Each Exchange

on Which Registered

Common Stock, $2.14 par value

 

BOTJ

 

The NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

Item 2.02 - Results of Operations and Financial Condition

On Friday, February 11, 2022, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the quarter and year-to-date periods ended December 31, 2021 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1.

Item 9.01 - Financial Statements and Exhibits

(a) Financial statements of businesses acquired – not applicable

(b) Pro forma financial information – not applicable

(c) Shell company transactions – not applicable

(d) Exhibits

Exhibit No.

Exhibit Description

99.1

Bank of the James Financial Group, Inc. Press Release dated February 11, 2022

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL


‎

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 15, 2022

BANK OF THE JAMES FINANCIAL GROUP, INC.

By /s/ J. Todd Scruggs

J. Todd Scruggs

Secretary-Treasurer

3

 EX-99.1 2 botj-20220211xex99_1.htm EX-99.1 Exhibit 991

Exhibit 99.1



BOTJ-FG-logo



Bank of the James Announces Fourth Quarter, Full Year of 2021

Financial Results and Declaration of Dividend

Strong Earnings, High Asset Quality, Expense Management



LYNCHBURG, Va., February 11,  2022 -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank serving Region 2000 (the greater Lynchburg MSA), and the Blacksburg, Charlottesville, Harrisonburg, Lexington, and Roanoke, Virginia markets, today announced unaudited results of operations for the three and 12 month periods ended December 31, 2021.

Net income for the three months ended December 31, 2021 was $1.86 million or $0.39 per diluted share compared with $1.71 million or $0.36 per diluted share for the three months ended December 31, 2020. For the  12 months ended December 31, 2021, net income was $7.59 million or $1.60 per diluted share compared with $4.98 million or $1.04 per diluted share for the 12 months ended December 31, 2020. The outstanding shares used to calculate earnings per share for both the 2020 and 2021 periods have been adjusted to include a 10% stock dividend declared in June 2021. 

Robert R. Chapman III, President and CEO,  commented:  “The Company’s positive financial performance and Company-record annual net income in 2021 reflected a forward-looking strategic focus supported by disciplined interest rate management,  strong asset quality, and operational efficiency.  The past year presented challenges but also many opportunities for the Company to serve customers, assist the communities in which we operate, and continue delivering value to shareholders.

“Our team did an exceptional job managing operations throughout the year, and provided prompt, responsive service to commercial and retail banking customers. Our technological capabilities supported effective performance, enabling us to operate without interruption and deliver a full scope of banking services. From residential mortgage originations to a range of electronic treasury services for businesses, technology has enabled us to engage with customers safely and securely.

“The year provided unique opportunities to serve customers, most notably the Payroll Protection Program (PPP) which provided support and financial security for businesses.  In addition, the interest rate environment allowed us to maintain strong residential mortgage activity and increase our presence in the market.  Our team provided the service and support needed to make the PPP a success and meet the demand for fast, seamless mortgage origination.

“Although normal commercial banking and lending activity slowed as businesses operated conservatively and accumulated cash reserves, we maintained stable year-over-year interest income. Commercial real estate lending was active throughout the year, as were commercial and residential construction lending, and we anticipate a continuing return to a more normalized operational landscape for our customers in the coming year as pandemic concerns, while still present, appear to be decreasing.

“As we move ahead, we will continue our commitment to managing credit and risk, maintaining asset quality, and maximizing efficiency. We are looking forward to new, exciting opportunities to serve customers and continue building the Company’s value.

“We are also honored to announce our partnership with Pettyjohn, Wood & White, Inc. at the end of the year, and look forward to building our future together.”

 

1

 





Highlights

·

Net income in 2021 reflected significant noninterest income contributions from mortgage loan processing fees,  gains on the sale of originated residential mortgages to the secondary market and continued growth in the Bank’s fee-based corporate electronic treasury services.

·

Total interest income was $7.27 million in the fourth quarter of 2021 compared with $7.78 million a year earlier, and $29.18 million in the 12 months of 2021 compared with $29.69 million a year earlier. Interest income from loans in the fourth quarter and second half of 2021 reflected increasing organic commercial loan activity and PPP loan processing fees, offset by declining income related to PPP loans as the program continued to wind down.

·

Net interest income after provision for (recovery of) loan losses was $7.30 million in the fourth quarter of 2021 and $27.58 million in the 12 months of 2021, up from $6.69 million and $22.60 million respectively, in the 2020 periods. The Company had no provisions for loan losses in 2021 and a $500,000 recovery of loan losses in the fourth quarter of 2021.

·

Strong interest expense management characterized the fourth quarter and full year performance, with a year-over-year 47% fourth quarter reduction and a 54% reduction of interest expense in 2021 versus 2020.

·

Loans, net of the allowance for loan losses, were $576.5 million at December 31, 2021, compared with $601.9 million at December 31, 2020,  with the decline primarily reflecting paydowns of PPP loans in the second half of 2021 and a decrease in the retained residential mortgage portfolio.

·

Commercial real estate loans (owner occupied and non-owner occupied) highlighted lending activity in 2021, increasing 10% year-over-year despite challenges presented by the pandemic.

·

Asset quality remained exceptionally strong throughout 2021.

·

Total deposits increased to $887.1 million at December 31,  2021 compared with $765.0 million at December 31, 2020, reflecting continued growth of lower-cost core deposits  (noninterest-bearing demand, NOW, savings and money market accounts) and fewer time deposits. Growth has reflected factors including increased market presence and new and expanded commercial and retail banking relationships.

·

Total stockholders’ equity increased to $69.4 million at December 31, 2021 compared with $66.7 million at December 31, 2020. Book value per share declined to $14.65 at December 31, 2021 compared with $15.38 per share at December 31, 2020, primarily reflecting a 10% stock dividend declared in the second quarter of 2021.

·

On January 18,  2022 the Company’s board of directors approved a quarterly $0.07 per share dividend payable to stockholders of record on March 4, 2022, to be paid on March 18, 2022.

·

In December 2021, the Company announced the acquisition of Pettyjohn, Wood & White, Inc. a Lynchburg-based SEC-registered investment advisory firm with more than $650 million in assets under management. The firm will operate as a wholly-owned subsidiary of Bank of the James Financial Group, Inc.  The transaction closed on December 31, 2021.

Fourth Quarter, 12 Months of 2021 Operational Review

Net interest income after recovery of loan losses in the fourth quarter of 2021 was $7.3 million compared with $6.7 million in the fourth quarter of 2020, primarily reflecting stable interest income, sharply reduced interest expense, and, in the fourth quarter of 2021, a $500,000 recovery of loan losses as indicated by the Bank’s allowance for loan losses methodology.

Total interest income was $7.3 million in the fourth quarter of 2021 and $7.8 million a year earlier, reflecting accreted fees from PPP loan processing, offset by flat organic loan growth and continued downward pressure on interest rates. The return on interest earning assets during the fourth quarter of 2021 was 3.18% as compared to 3.90% during the fourth quarter of 2020.

In the 12 months of 2021, net interest income after provision for (recovery of) loan losses was $27.6 million, up from $22.6 million in the 12 months of 2020. The year-over-year increase in 2021 primarily reflected stable interest income, a 54% reduction of interest expense, and the $500,000 recovery of loan losses previously mentioned, as compared to a  $2.5 million loan loss provision in the 12 months of 2020. Total interest income in the 12 months of 2021 reflected relatively

 

2

 

flat commercial lending activity (exclusive of PPP lending), accretion of PPP loan processing fees, and pressure on interest rates. The return on interest earning assets in 2021 was 3.38% compared with 3.91%  in 2020.

Lower interest expense in the fourth quarter and full year of 2021 reflected reduced costs of time deposits and borrowings, a retirement of higher-cost debt in 2020, and continued growth of lower-cost core deposits (noninterest-bearing demand, NOW, savings and money market accounts). The rate paid on total interest-bearing liabilities was 0.31% in 2021, down from 0.74% a year earlier. The net interest margin was 3.14% and interest spread was 3.08% in 2021 compared with 3.32% and 3.18%, respectively, in 2020.

J. Todd Scruggs, Executive Vice President and CFO, commented: “Prevailing low interest rates and a strong cash position in light of pandemic-related risks had a negative impact on the net interest margin and interest spread. However, as pandemic-related risks continue to lessen and with the prospect of upcoming Federal Reserve rate increases, because of an increase in mortgage rates, in January 2022 we invested $30 million in agency mortgage-backed securities at an attractive yield.

“We are also positioned to take full advantage of Federal Reserve rate increases, as a meaningful portion of our loan portfolio has adjustable rates or will reprice within the next twelve months.  During 2022, we anticipate some relief from the significant pressure on margins and spreads that has characterized the past several years.”

In the fourth quarter of 2021, noninterest income, including gains from the sale of residential mortgages to the secondary market, mortgage processing fees, and income from the Bank’s line of treasury management services for commercial customers, was $2.9 million compared with $2.9 million in the fourth quarter of 2020.

In 2021, noninterest income was $11.2 million, up 2% from $11.0 million in 2020. Fees generated by brisk residential mortgage origination activity and subsequent gains on sale of residential mortgage loans made important income contributions throughout 2021. While residential mortgage production remained strong in the second half of 2021, it showed signs of slowing in the fourth quarter, reflecting rising interest rates and lack of housing inventory within the Bank’s markets.

Noninterest expense in the fourth quarter and 12 months of 2021 increased slightly compared with both periods in 2020, primarily reflecting increased personnel expenses that included performance-based compensation for residential mortgage production and bonuses related to PPP loan production and servicing.  The Company’s return on average assets improved to 0.82% in 2021 from 0.62% a year earlier and Return on Average Equity in 2021 increased to 11.34% from 8.01% in 2020.

Balance Sheet Review: Strong Asset Quality, Commercial Lending Momentum

Total assets grew 16% to $987.6 million at December 31, 2021 compared with $851.4 million at December 31, 2020, with the increase primarily reflecting an increase in cash, cash equivalents, and securities available-for-sale resulting from an increase in deposits.

Loans, net of allowance for loan losses of $6.9 million, were $576.5 million at December 31, 2021 compared with loans, net of allowance for loan losses of $7.2 million, of $601.9 million at December 31, 2020. The decline in net loans primarily reflected the ongoing paydowns and forgiveness of PPP loans as the program continued to wind down in the second half of 2021.  The Company anticipates most of the remaining PPP loans will be paid off by the end of the first quarter of 2022.

Commercial loans, including outstanding PPP loans, were $105.1 million at December 31, 2021 compared with $145.1 million at December 31, 2020. As noted, this decline primarily reflects paydowns of PPP loans. Slower business activity and conservative borrowing during the pandemic slowed normal commercial & industrial lending; however, management notes as business conditions improve there are positive signs of increasingly normalized banking activity and growing full-service relationships.

Commercial real estate loans (owner occupied and non-owner occupied) increased by approximately $29 million, or 10%, in 2021 despite the pandemic and economic uncertainties. At December 31, 2021, owner-occupied commercial mortgages were $128.8 million compared with $108.2 million a year earlier. Non-owner occupied commercial mortgages were $179.1 million at December 31, 2021 compared with $171.1 million a year earlier. Commercial construction loans demonstrated robust building activity throughout 2021. Residential consumer construction loans were $19.1 million at

 

3

 

December 31, 2021 compared with $15.1 million a year earlier and reflected active demand for new homes in several of the Company’s markets.

Consumer loans decreased year-over-year. Retained residential mortgage totals declined to  $32.0 million at December 31, 2021 from $47.0 million at December 31, 2020,  reflecting the Company’s emphasis on managing the amount of consumer loans and residential mortgages it retains.

Asset quality has remained strong, with a ratio of nonperforming loans to total loans of 0.16% at December 31, 2021. The ratio has remained consistently low throughout 2021. The allowance for loan losses to total loans was 1.19% at December 31, 2021. Total nonperforming loans declined 54% at December 31, 2021 compared with a year earlier. Other real estate owned declined to $761,000 at December 31, 2021 from $1.1 million a  year earlier. The Company’s allowance loan losses to nonperforming loans ratio reflected the strong reserves against potential risk that the Company has maintained during the pandemic period, and the low level of problem loans.

Total deposits at December 31, 2021 were $887.1 million, compared with $765.0 million at December 31, 2020. As in the past several quarters, increased demand deposits accounted for the growth, in part due to increased balances held by businesses, organic growth in the Bank’s markets and also new customer deposits. The Bank continued to trim time deposits, while core deposits (noninterest bearing demand, NOW, money market and savings) were approximately 83% of total deposits at December 31, 2021.

On December 31, 2021, Bank of the James Financial Group, Inc. (the "Company") completed its acquisition of Pettyjohn, Wood & White, Inc. (“PWW”). PWW is an SEC-registered investment advisor based in Lynchburg, Virginia with more than $650 million in assets under management at the time of the acquisition.  In connection with the transaction, based on a purchase price of $10.5 million, the Company recorded $4.7 million of intangible assets which relate primarily to the amortizable value of customer relationships and approximately $5.9 million in goodwill.

The Company continued its trend of building shareholder value each year. Total stockholders’ equity increased to $69.4 million at December 31, 2021 from $66.7 a year earlier. Book value per share of $14.65 compared with $15.38 at December 31, 2020, primarily reflecting increased shares resulting from the 10% stock dividend declared in the second quarter of 2021. 

About the Company

Bank of the James, a wholly-owned subsidiary of Bank of the James Financial Group, Inc. opened for business in July 1999 and is headquartered in Lynchburg, Virginia. The bank currently services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, and Rustburg. The bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary.  The bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. Bank of the James Financial Group, Inc. common stock is listed under the symbol “BOTJ” on the NASDAQ Stock Market, LLC.  Additional information on the Company is available at www.bankofthejames.bank.

Cautionary Statement Regarding Forward-Looking Statements

This press release contains statements that constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The words "believe," "estimate," "expect," "intend," "anticipate," "plan" and similar expressions and variations thereof identify certain of such forward-looking statements which speak only as of the dates on which they were made. Bank of the James Financial Group, Inc. (the "Company") undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. Readers are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those indicated in the forward-looking statements as a result of various factors. Such factors include, but are not limited to, competition, general economic conditions, potential changes in interest rates, the effect of the COVID-19 pandemic, and changes in the value of real estate securing loans made by Bank of the James (the "Bank"), a subsidiary of the Company. Additional information concerning factors that could cause actual results to materially differ from those in the forward-looking statements is contained in the Company's filings with the Securities and Exchange Commission and previously filed by the Bank (as predecessor of the Company) with the Federal Reserve Board. 

 

4

 

CONTACT: J. Todd Scruggs, Executive Vice President and Chief Financial Officer (434) 846-2000.

tscruggs@bankofthejames.com 

FINANCIAL STATEMENTS FOLLOW

 

5

 

Bank of the James Financial Group, Inc. and Subsidiaries

Consolidated Balance Sheets

(dollar amounts in thousands, except per share amounts)





 

 

 



(unaudited)

 

 

Assets

12/31/2021

 

12/31/2020

Cash and due from banks

 $29,337 

 

 $31,683 

Federal funds sold

 153,816 

 

 69,203 

  Total cash and cash equivalents

 183,153 

 

 100,886 



 

 

 

Securities held-to-maturity (fair value of $4,006 in 2021 and $4,192 in 2020)

 3,655 

 

 3,671 

Securities available-for-sale, at fair value

 161,830 

 

 90,185 

Restricted stock, at cost

 1,324 

 

 1,551 

Loans, net of allowance for loan losses of $6,915 in 2021 and $7,156 in 2020

 576,469 

 

 601,934 

Loans held for sale

 1,628 

 

 7,102 

Premises and equipment, net

 18,190 

 

 16,621 

Software, net

 161 

 

 361 

Interest receivable

2,064 

 

 2,350 

Cash value - bank owned life insurance

 18,785 

 

 16,355 

Customer relationship Intangible

 4,735 

 

-

Goodwill

 5,901 

 

-

Other real estate owned

 761 

 

 1,105 

Income taxes receivable

 77 

 

-

Deferred tax asset

 1,371 

 

 1,219 

Other assets

 7,530 

 

 8,046 

  Total assets

 $987,634 

 

 $851,386 



 

 

 

Liabilities and Stockholders' Equity

 

 

 

Deposits

 

 

 

  Noninterest bearing demand

 162,286 

 

 143,345 

  NOW, money market and savings

 582,000 

 

 463,506 

  Time

 142,770 

 

 158,116 

Total deposits

 887,056 

 

 764,967 



 

 

 

Capital notes

 21,016 

 

 10,027 

Income taxes payable

-

 

 286 

Interest payable

 46 

 

 85 

Other liabilities

 10,087 

 

 9,289 

  Total liabilities

 $918,205 

 

 $784,654 



 

 

 

Stockholders' equity

 

 

 

  Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding

 

 

 

    4,740,657 and 4,339,436 as of December 31, 2021 and 2020

 10,145 

 

 9,286 

  Additional paid-in-capital

 37,230 

 

 30,989 

  Accumulated other comprehensive (loss) income

 (1,386)

 

 1,792 

  Retained earnings

 23,440 

 

 24,665 

Total stockholders' equity

 $69,429 

 

 $66,732 



 

 

 

Total liabilities and stockholders' equity

 $987,634 

 

 $851,386 



 

6

 

Bank of the James Financial Group, Inc. and Subsidiaries

Consolidated Statements of Income

(dollar amounts in thousands, except per share amounts)



 

 

 

 

 

 

 

(unaudited)

For the Three Months

 

For the Year



Ended December 31,

 

Ended December 31,

Interest Income

2021

 

2020

 

2021

 

2020

  Loans

 $6,440 

 

 $7,326 

 

 $26,529 

 

 $28,021 

  Securities

 

 

 

 

 

 

 

    US Government and agency obligations

 235 

 

 184 

 

 875 

 

 690 

    Mortgage backed securities

 163 

 

 53 

 

 462 

 

 217 

    Municipals

 266 

 

 123 

 

 865 

 

 372 

    Dividends

 28 

 

 30 

 

 67 

 

 78 

    Other (Corporates)

 88 

 

 46 

 

 243 

 

 117 

  Interest bearing deposits

 7 

 

 4 

 

 33 

 

 89 

  Federal Funds sold

 40 

 

 13 

 

 107 

 

 102 

    Total interest income

 7,267 

 

 7,779 

 

 29,181 

 

 29,686 



 

 

 

 

 

 

 

Interest Expense

 

 

 

 

 

 

 

  Deposits

 

 

 

 

 

 

 

    NOW, money market savings

 145 

 

 135 

 

 564 

 

 804 

    Time Deposits

 215 

 

 646 

 

 1,105 

 

 3,205 

  Finance leases

 26 

 

 28 

 

 106 

 

 115 

  Brokered time deposits

-

 

-

 

-

 

 143 

  Capital notes

 82 

 

 81 

 

 327 

 

 273 

   Total interest expense

 468 

 

 890 

 

 2,102 

 

 4,540 



 

 

 

 

 

 

 

    Net interest income

 6,799 

 

 6,889 

 

 27,079 

 

 25,146 



 

 

 

 

 

 

 

Provision for (recovery of) loan losses

 (500)

 

 200 

 

 (500)

 

 2,548 



 

 

 

 

 

 

 

    Net interest income after provision for (recovery of) loan losses

 7,299 

 

 6,689 

 

 27,579 

 

 22,598 



 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

  Gains on sale of loans held for sale

 2,090 

 

 2,226 

 

 8,265 

 

 7,812 

  Service charges, fees and commissions

 693 

 

 533 

 

 2,496 

 

 2,033 

  Life insurance income

 115 

 

 147 

 

 430 

 

 436 

  Other

 6 

 

 30 

 

 18 

 

 50 

  Gain on sales of available-for-sale securities

-

 

-

 

-

 

 644 

    Total noninterest income

 2,904 

 

 2,936 

 

 11,209 

 

 10,975 



 

 

 

 

 

 

 

Noninterest expenses

 

 

 

 

 

 

 

  Salaries and employee benefits

 4,476 

 

 4,390 

 

 16,377 

 

 15,430 

  Occupancy

 403 

 

 401 

 

 1,673 

 

 1,638 

  Equipment

 643 

 

 612 

 

 2,526 

 

 2,350 

  Supplies

 117 

 

 126 

 

 471 

 

 479 

  Professional, data processing, and other outside expense

 1,116 

 

 807 

 

 4,094 

 

 3,691 

  Marketing

 214 

 

 167 

 

 934 

 

 667 

  Credit expense

 234 

 

 281 

 

 1,103 

 

 1,112 

  Other real estate expenses

 28 

 

 308 

 

 102 

 

 443 

  FDIC insurance expense

 123 

 

 116 

 

 548 

 

 336 

  Other

 559 

 

 310 

 

 1,509 

 

 1,248 

    Total noninterest expenses

 7,913 

 

 7,518 

 

 29,337 

 

 27,394 



 

 

 

 

 

 

 

    Income before income taxes

 2,290 

 

 2,107 

 

 9,451 

 

 6,179 

 

7

 



 

 

 

 

 

 

 

    Income tax expense

 431 

 

 397 

 

 1,862 

 

 1,199 



 

 

 

 

 

 

 

    Net Income

 $1,859 

 

 $1,710 

 

 $7,589 

 

 $4,980 



 

 

 

 

 

 

 

Weighted average shares outstanding - basic (1)

 4,740,657 

 

 4,773,380 

 

 4,747,821 

 

 4,775,733 



 

 

 

 

 

 

 

Weighted average shares outstanding - diluted (1)

 4,740,657 

 

 4,773,380 

 

 4,747,821 

 

 4,775,733 



 

 

 

 

 

 

 

Net income per common share - basic (1)

 $0.39 

 

 $0.36 

 

 $1.60 

 

 $1.04 



 

 

 

 

 

 

 

Net income per common share - diluted (1)

 $0.39 

 

 $0.36 

 

 $1.60 

 

 $1.04 



(1) Shares and per share amounts for all periods have been adjusted to reflect a 10% stock dividend declared in June 2021.

 

8

 

Bank of the James Financial Group, Inc. and Subsidiaries

Dollar amounts in thousands, except per share data

unaudited



 

 

 

 

 

 



Three months ending

Dec 31,

 

Year to date

Dec 31,

 

Selected Data:

2021

2020

Change

2021

2020

Change

Interest income

 $7,267  $7,779 

-6.58%

 $29,181  $29,686 

-1.70%

Interest expense

 468  890 

-47.42%

 2,102  4,540 

-53.70%

Net interest income

 6,799  6,889 

-1.31%

 27,079  25,146  7.69% 

Provision for (recovery of) loan losses

 (500) 200 

-350.00%

 (500) 2,548 

-119.62%

Noninterest income

 2,904  2,936 

-1.09%

 11,209  10,975  2.13% 

Noninterest expense

 7,913  7,518  5.25%  29,337  27,394  7.09% 

Income taxes

 431  397  8.56%  1,862  1,199  55.30% 

Net income

 1,859  1,710  8.71%  7,589  4,980  52.39% 

Weighted average shares outstanding - basic (1)

 4,740,657  4,773,380  (32,723) 4,747,821  4,775,733  (27,912)

Weighted average shares outstanding - diluted (1)

 4,740,657  4,773,380  (32,723) 4,747,821  4,775,733  (27,912)

Basic net income

 

 

 

 

 

 

per share (1)

 $0.39  $0.36  $0.03  $1.60 

$          .04

 $0.56 

Fully diluted net income per share (1)

 $0.39  $0.36  $0.03  $1.60  $1.04  $0.56 



(1) Shares and per share amounts for all periods have been adjusted to reflect a 10% stock dividend declared in June 2021.





 

 

 

 

 

 



Dec 31,

 

Dec 31,

 

Balance Sheet at  period end:

2021

2020

Change

2020

2019

Change

Loans, net

 $576,469  $601,934 

-4.23%

 $601,934  $573,274  5.00% 

Loans held for sale

 1,628  7,102 

-77.08%

 7,102  4,221  68.25% 

Total securities

 165,485  93,856  76.32%  79,299  63,343  25.19% 

Total deposits

 887,056  764,967  15.96%  764,967  649,459  17.79% 

Stockholders' equity

 69,429  66,732  4.04%  66,732  61,445  8.60% 

Total assets

 987,634  851,386  16.00%  851,386  725,394  17.37% 

Shares outstanding

 4,740,657  4,339,436  401,221  4,339,436  4,357,436  (18,000)

Book value per share

 $14.65  $15.38  $(0.73) $15.38  $14.10  $1.28 



 

9

 





 

 

 

 

 

 



Three months ending

Dec 31,

 

Year to date

Dec 31,

 

Daily averages:

2021

2020

Change

2021

2020

Change

Loans, net

 $589,277  $614,472 

-4.10%

 $601,272  $608,831 

-1.24%

Loans held for sale

 5,929  9,269 

-36.03%

 5,815  6,876 

-15.43%

Total securities

 159,307  82,520  93.05%  128,886  65,458  96.90% 

Total deposits

 873,894  772,437  13.13%  833,216  725,878  14.79% 

Stockholders' equity

 69,173  63,429  9.06%  66,937  62,193  7.63% 

Interest earning assets

 906,409  799,604  13.36%  862,500  758,439  13.72% 

Interest bearing liabilities

 718,714  636,901  12.85%  682,089  608,680  12.06% 

Total assets

 962,006  854,729  12.55%  920,474  805,120  14.33% 







 

 

 

 

 

 



Three months ending

Dec 31,

 

Year to date

Dec 31,

 

Financial Ratios:

2021

2020

Change

2021

2020

Change

Return on average assets

 0.77%  0.79%  (0.02) 0.82%  0.62%  0.20 

Return on average equity

 10.66%  10.70%  (0.04) 11.34%  8.01%  3.33 

Net interest margin

 2.98%  3.42%  (0.44) 3.14%  3.32%  (0.18)

Efficiency ratio

 81.55%  76.52%  5.03  76.62%  75.84%  0.78 

Average equity to average assets

 7.19%  7.42%  (0.23) 7.27%  7.72%  (0.45)







 

 

 

 

 

 



Three months ending

Dec 31,

 

Year to date

Dec 31,

 

Allowance for loan losses:

2021

2020

Change

2021

2020

Change

Beginning balance

 $7,276  $6,966  4.45%  $7,156  $4,829  48.19% 

Provision for (recovery of) loan losses

 (500) 200 

-350.00%

 (500) 2,548 

-119.62%

Charge-offs

 (11) (52)

-78.85%

 (91) (448)

-79.69%

Recoveries

 150  42  257.14%  350  227  54.19% 

Ending balance

 6,915  7,156 

-3.37%

 6,915  7,156 

-3.37%



 

10

 



 

 

 

 

 

 

Nonperforming assets:

 

2020

Change

2020

2019

Change

Total nonperforming loans

 $954  $2,064 

-53.78%

 $2,064  $1,301  58.65% 

Other real estate owned

 761  1,105 

-31.13%

 1,105  2,339 

-52.76%

Total nonperforming assets

 1,715  3,169 

-45.88%

 3,169  3,640 

-12.94%

Troubled debt restructurings - (performing portion)

 372  392 

-5.10%

 392  410 

-4.39%







 

 

 

 

 

 



 

 

 

 

 

 



 

 

 

 

 

 



Dec 31,

 

Dec 31,

 

Asset quality ratios:

2021

2020

Change

2020

2019

Change

Nonperforming loans to total loans

 0.16%  0.34%  (0.18) 0.34%  0.23%  0.11 

Allowance for loan losses to total loans

 1.19%  1.17%  0.01  1.17%  0.84%  0.34 

Allowance for loan losses to nonperforming loans

 724.84%  346.71%  378.14  346.71%  371.18%  (24.47)





 

11

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Document And Entity Information
Feb. 11, 2022
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Feb. 11, 2022
Entity Registrant Name BANK OF THE JAMES FINANCIAL GROUP, INC.
Entity File Number 001-35402
Entity Incorporation, State or Country Code VA
Entity Tax Identification Number 20-0500300
Entity Address, Address Line One 828 Main Street
Entity Address, City or Town Lynchburg
Entity Address, State or Province VA
Entity Address, Postal Zip Code 24504
City Area Code 434
Local Phone Number 846-2000
Entity Central Index Key 0001275101
Title of 12(b) Security Common Stock, $2.14 par value
Trading Symbol BOTJ
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Written communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
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