Peer Analysis

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Data for trailing four quarters

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Performance Ratios (%)BOTJ Peer
Median
Peer
Average
ROAA0.74 0.05 0.33 
ROAE9.78 0.85 2.61 
Net Interest Margin3.77 3.38 3.39 
Efficiency Ratio74.20 96.20 84.68 
Loans / Deposits93.05 81.57 80.28 

Asset Quality Ratios (%)   
NPAs / Assets1.14 2.60 3.13 
NCOs / Avg Loans0.09 0.05 0.09 
Reserves / Loans1.07 1.75 1.87 
Reserves / NPAs77.83 48.23 103.42 

Capital Ratios (%)   
Tier 1 CapitalNA NA NA 
Tangible Equity / Tangible Assets9.14 7.98 7.73 
Total Equity / Total Assets9.14 7.98 7.73 

Market Ratios   
Price / Earnings (x)11.39 4.64 4.64 
Price / Book (%)110.74 90.00 100.90 
Dividend Yield (%)1.97 0.00 0.47 
Bank of the James Financial Group, Inc.'s peer group consists of the following: Cardinal Bankshares Corporation (CDBK), Exchange Bankshares, Inc. (EXCH), First Capital Bancorp, Inc. (FCVA), OptimumBank Holdings, Inc. (OPHC), Village Bank and Trust Financial Corp. (VBFC)

Bank of the James Financial Group, Inc.'s financial data is as of 12/31/2015.

Peer financial data is as of 9/30/2015

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