MarketCap
Facebook
X
Telegram
Bank of the James Financial Group Balance Sheet 2025-2009 | BOTJ
Brief overview of Bank of the James Financial Group's balance sheet strength
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
The asset base gained +5.2%, from $987.6 million to $1 billion; average annual growth of 1.3% remained moderate.
Asset and liability trends were close, at +5.2% and +4.4%. Expansion did not materially reshape funding sources.
For this sector, the direction of capital matters more than a high liability share itself: the equity ratio is 7.7% versus 7%.
Retained earnings are $50 million versus $23.4 million initially. The direction shows how results contributed to equity.
Conclusion
Bank of the James Financial Group has a workable but not unconditionally strong balance sheet. Resilience depends on sustained earnings and liability control.
Annual Balance Sheet Bank of the James Financial Group
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | -21.7 M | 33.9 M | 31 M | 40 M | -16.9 M | 30 M | 33.7 M | 41.4 M | 45.5 M | -678 K | - | - |
Long Term Debt |
- | - | - | - | - | 10 M | 5 M | 5 M | 5 M | - | 10 M | 22 M | 12 M | 12 M | 17 M | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 5 M | 5 M | 5 M | 2.37 M | 10 M | 10 M | 10 M | 11.4 M | 7 M | - | - |
Total Liabilities |
959 M | 914 M | 909 M | 878 M | 918 M | 785 M | 664 M | 620 M | 575 M | 525 M | 479 M | 426 M | 405 M | 412 M | 401 M | 393 M | - |
Retained Earnings |
50 M | 42.8 M | 36.7 M | 31 M | 23.4 M | 24.7 M | 20.9 M | 16.5 M | 12.3 M | 10.2 M | 7.92 M | 5.03 M | 2.12 M | -936 K | -3.07 M | -3.67 M | - |
Total Assets |
1.04 B | 979 M | 969 M | 929 M | 988 M | 851 M | 725 M | 675 M | 626 M | 574 M | 527 M | 461 M | 435 M | 441 M | 427 M | 419 M | - |
Cash and Cash Equivalents |
84.5 M | 73.3 M | 74.8 M | 61.8 M | 183 M | 101 M | 39.1 M | 50.3 M | 37 M | 28.7 M | 28.7 M | 12.7 M | 16.7 M | 41 M | 23.3 M | 18.8 M | 31.3 M |
Book Value |
80 M | 64.9 M | 60 M | 50.2 M | 69.4 M | 66.7 M | 61.4 M | 55.1 M | 51.7 M | 49.4 M | 48.2 M | 34.8 M | 29.8 M | 29.6 M | 26.8 M | 25.5 M | - |
Total Shareholders Equity |
80 M | 64.9 M | 60 M | 50.2 M | 69.4 M | 66.7 M | 61.4 M | 55.1 M | 51.7 M | 49.4 M | 48.2 M | 34.8 M | 29.8 M | 29.6 M | 26.8 M | 25.5 M | 23.7 M |
All numbers in USD currency
Quarterly Balance Sheet Bank of the James Financial Group
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
959 M | 980 M | 914 M | 943 M | 933 M | 943 M | 914 M | 939 M | 916 M | 924 M | 909 M | 911 M | 898 M | 896 M | 878 M | 914 M | 906 M | 913 M | 918 M | 874 M | 840 M | 821 M | 785 M | 785 M | 785 M | 785 M | 664 M | 664 M | 664 M | 664 M | 620 M | 620 M | 620 M | 620 M | 575 M | 575 M | 575 M | 575 M | 525 M | 525 M | 525 M | 525 M | 479 M | 479 M | 479 M | 479 M | 426 M | 426 M | 426 M | 426 M | 405 M | 405 M | 405 M | 405 M | 412 M | 412 M | 412 M | 412 M | 401 M | 401 M | 401 M | 401 M |
Retained Earnings |
50 M | 52.3 M | 42.8 M | 47.7 M | 45.4 M | 43.2 M | 42.8 M | 41.6 M | 40.1 M | 38.4 M | 36.7 M | 34.9 M | 33.2 M | 31 M | 31 M | 29.4 M | 27.2 M | 25.2 M | 23.4 M | 21.9 M | 20.4 M | 26.2 M | 24.7 M | 24.7 M | 24.7 M | 24.7 M | 20.9 M | 20.9 M | 20.9 M | 20.9 M | 16.5 M | 16.5 M | 16.5 M | 16.5 M | 12.3 M | 12.3 M | 12.3 M | 12.3 M | 10.2 M | 10.2 M | 10.2 M | 10.2 M | 7.92 M | 7.92 M | 7.92 M | 7.92 M | 5.03 M | 5.03 M | 5.03 M | 5.03 M | 2.12 M | 2.12 M | 2.12 M | 2.12 M | -936 K | -936 K | -936 K | -936 K | -3.07 M | -3.07 M | -3.07 M | -3.07 M |
Total Assets |
1 B | 1.06 B | 979 M | 1.02 B | 1 B | 1.01 B | 979 M | 1.01 B | 978 M | 985 M | 969 M | 961 M | 951 M | 948 M | 929 M | 963 M | 960 M | 974 M | 988 M | 943 M | 908 M | 886 M | 851 M | 851 M | 851 M | 851 M | 725 M | 725 M | 725 M | 725 M | 675 M | 675 M | 675 M | 675 M | 626 M | 626 M | 626 M | 626 M | 574 M | 574 M | 574 M | 574 M | 527 M | 527 M | 527 M | 527 M | 461 M | 461 M | 461 M | 461 M | 435 M | 435 M | 435 M | 435 M | 441 M | 441 M | 441 M | 441 M | 427 M | 427 M | 427 M | 427 M |
Cash and Cash Equivalents |
73.3 M | 88 M | 74.8 M | 85.5 M | 77.9 M | 95 M | 73.3 M | 109 M | 74.6 M | 88.1 M | 74.8 M | 99.5 M | 73.5 M | 64.6 M | 61.8 M | 81 M | 74.9 M | 96.8 M | 183 M | 147 M | 123 M | 124 M | 101 M | 101 M | 101 M | 101 M | 39.1 M | 39.1 M | 39.1 M | 39.1 M | 50.3 M | 50.5 M | 33.8 M | 55.3 M | 37 M | 37 M | 37 M | 37 M | 28.7 M | 28.7 M | 28.7 M | 28.7 M | 28.7 M | 28.7 M | 28.7 M | 28.7 M | 12.7 M | 12.7 M | 12.7 M | 12.7 M | 16.7 M | 16.7 M | 16.7 M | 16.7 M | 41 M | 41 M | 41 M | 41 M | 23.3 M | 23.3 M | 23.3 M | 23.3 M |
Book Value |
45.3 M | 81.3 M | 64.9 M | 77 M | 71.7 M | 68.3 M | 64.9 M | 68.8 M | 61.7 M | 60.4 M | 60 M | 50.1 M | 52.7 M | 52 M | 50.2 M | 48.3 M | 53.3 M | 60.6 M | 69.4 M | 68.9 M | 68.1 M | 65.3 M | 66.7 M | 66.7 M | 66.7 M | 66.7 M | 61.4 M | 61.4 M | 61.4 M | 61.4 M | 55.1 M | 55.1 M | 55.1 M | 55.1 M | 51.7 M | 51.7 M | 51.7 M | 51.7 M | 49.4 M | 49.4 M | 49.4 M | 49.4 M | 48.2 M | 48.2 M | 48.2 M | 48.2 M | 34.8 M | 34.8 M | 34.8 M | 34.8 M | 29.8 M | 29.8 M | 29.8 M | 29.8 M | 29.6 M | 29.6 M | 29.6 M | 29.6 M | 26.8 M | 26.8 M | 26.8 M | 26.8 M |
Total Shareholders Equity |
64.9 M | 81.3 M | 60 M | 77 M | 71.7 M | 68.3 M | 64.9 M | 68.8 M | 61.7 M | 60.4 M | 60 M | 50.1 M | 52.7 M | 52 M | 50.2 M | 48.3 M | 53.3 M | 60.6 M | 69.4 M | 68.9 M | 68.1 M | 65.3 M | 66.7 M | 66.7 M | 66.7 M | 66.7 M | 61.4 M | 61.4 M | 61.4 M | 61.4 M | 55.1 M | 55.1 M | 55.1 M | 55.1 M | 51.7 M | 51.7 M | 51.7 M | 51.7 M | 49.4 M | 49.4 M | 49.4 M | 49.4 M | 48.2 M | 48.2 M | 48.2 M | 48.2 M | 34.8 M | 34.8 M | 34.8 M | 34.8 M | 29.8 M | 29.8 M | 29.8 M | 29.8 M | 29.6 M | 29.6 M | 29.6 M | 29.6 M | 26.8 M | 26.8 M | 26.8 M | 26.8 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Bank of the James Financial Group, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
Russia
USA
India
Canada
Schweiz
Britain
Chile
Australia
Panama
Niderland
Japan
Peru
Spain
Colombia
Bermuda