Bank Of The James | 10-Q: FY2025 Q3 Revenue: USD 15.94 M

LB filings

2025.11.14 20:32

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Revenue: As of FY2025 Q3, the actual value is USD 15.94 M.

EPS: As of FY2025 Q3, the actual value is USD 0.61.

EBIT: As of FY2025 Q3, the actual value is USD -5.082 M.

Net Interest Income: $8,334,000 for the three months ended September 30, 2025, compared to $7,643,000 for the same period in 2024.
Total Loans Held for Investment: $653.3 million at September 30, 2025, compared to $636.6 million at December 31, 2024.
Total Deposits: $922.1 million at September 30, 2025, compared to $882.4 million at December 31, 2024.

Gains on Sales of Loans: $1,242,000 for the three months ended September 30, 2025, compared to $1,326,000 for the same period in 2024.
Salaries and Employee Benefits: $919,000 for the three months ended September 30, 2025, compared to $835,000 for the same period in 2024.

Wealth Management Fees: $1,362,000 for the three months ended September 30, 2025, compared to $1,244,000 for the same period in 2024.
Assets Under Management (AUM): $984.7 million at September 30, 2025, compared to $854.0 million at December 31, 2024.

Net Cash Provided by Operating Activities: $9,686,000 for the nine months ended September 30, 2025, compared to $6,623,000 for the same period in 2024.
Net Cash Used in Investing Activities: - $22,721,000 for the nine months ended September 30, 2025, compared to $696,000 provided in the same period in 2024.
Net Cash Provided by Financing Activities: $25,177,000 for the nine months ended September 30, 2025, compared to $27,050,000 for the same period in 2024.

Core Business Focus: The Bank intends to enhance profitability by increasing market share in its service areas, providing additional services to customers, and controlling costs.
Non-Core Business: The Bank is considering opening additional branches, subject to regulatory approval, and continues to evaluate suitable branch locations for expansion.