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Peer Analysis

Data for trailing four quarters

For the definition of a financial field, select the field name below.
Performance Ratios (%)BOTJ Peer
Median
Peer
Average
ROAA0.69 (0.76) (0.52) 
ROAE9.52 (24.33) (25.08) 
Net Interest Margin4.04 3.68 3.51 
Efficiency Ratio75.63 92.36 87.30 
Loans / Deposits90.85 66.46 70.06 

Asset Quality Ratios (%)   
NPAs / Assets1.13 3.98 5.86 
NCOs / Avg Loans0.17 0.43 0.41 
Reserves / Loans1.41 1.97 2.18 
Reserves / NPAs102.70 30.28 37.12 

Capital Ratios (%)   
Tier 1 Capital12.05 11.70 12.45 
Tangible Equity / Tangible Assets7.29 7.69 6.40 
Total Equity / Total Assets7.29 7.92 6.74 

Market Ratios   
Price / Earnings (x)9.89 12.92 12.92 
Price / Book (%)91.77 92.74 170.20 
Dividend Yield (%)2.25 0.00 0.76 
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), First National Bankshares Corp. (FBSW), OptimumBank Holdings, Inc. (OPHC), Village Bank and Trust Financial Corp. (VBFC)

Bank of the James Financial Group, Inc.'s financial data is as of 6/30/2014.

Peer financial data is as of 6/30/2014  except for these companies:

Exchange Bankshares, Inc.'s financial data is as of 3/31/2014.
First National Bankshares Corp.'s financial data is as of 12/31/2013.

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