Bank of the James Financial Group Balance Sheet Health
Financial Health criteria checks 6/6
Bank of the James Financial Group has total assets of $969.4M and total equity of $60.0M. Total deposits are $878.5M, and total loans are $601.9M. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.06% of total loans. Cash and short-term investments are $74.9M.
Key information
16.1x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$878.46m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.06% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$74.95m |
Recent financial health updates
No updates
Recent updates
Bank of the James Financial Group (NASDAQ:BOTJ) Is Increasing Its Dividend To $0.10
Jan 25
Bank of the James Financial Group (NASDAQ:BOTJ) Is Due To Pay A Dividend Of $0.08
Nov 21Bank of the James Financial Group (NASDAQ:BOTJ) Has Announced A Dividend Of $0.08
Oct 26Bank of the James Financial Group (NASDAQ:BOTJ) Is Paying Out A Dividend Of $0.08
Aug 29Bank of the James Financial Group (NASDAQ:BOTJ) Is Due To Pay A Dividend Of $0.08
Jul 25Bank of the James Financial Group (NASDAQ:BOTJ) Is Due To Pay A Dividend Of $0.08
Apr 27Here's Why We Think Bank of the James Financial Group (NASDAQ:BOTJ) Is Well Worth Watching
Mar 15Bank of the James Financial Group's (NASDAQ:BOTJ) Dividend Will Be Increased To $0.08
Oct 28Bank of the James Financial Group's (NASDAQ:BOTJ) Dividend Will Be $0.07
Aug 30Bank of the James Financial Group's (NASDAQ:BOTJ) Dividend Will Be $0.07
Aug 08Bank of the James Financial Group declares $0.07 dividend
Jul 22Bank of the James Financial Group (NASDAQ:BOTJ) Will Pay A Dividend Of US$0.07
Feb 16Bank of the James Financial Group (NASDAQ:BOTJ) Has Announced A Dividend Of US$0.07
Jan 29Bank of the James Financial Group (NASDAQ:BOTJ) Has Announced A Dividend Of US$0.07
Oct 28Here's Why I Think Bank of the James Financial Group (NASDAQ:BOTJ) Might Deserve Your Attention Today
Oct 26Bank of the James Financial Group's (NASDAQ:BOTJ) Dividend Will Be US$0.07
Jul 26If You Like EPS Growth Then Check Out Bank of the James Financial Group (NASDAQ:BOTJ) Before It's Too Late
Apr 28Why You Might Be Interested In Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) For Its Upcoming Dividend
Feb 27Bank of the James Financial Group (NASDAQ:BOTJ) Share Prices Have Dropped 14% In The Last Year
Jan 11
Why You Might Be Interested In Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) For Its Upcoming Dividend
Nov 20Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BOTJ's Assets to Equity ratio (16.1x) is moderate.
Allowance for Bad Loans: BOTJ has a sufficient allowance for bad loans (1896%).
Low Risk Liabilities: 97% of BOTJ's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOTJ has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: BOTJ's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: BOTJ has an appropriate level of bad loans (0.1%).