| Weiss Ratings |
Bank of the James
Lynchburg, VA |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 7.60 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 4.70 | |||
| Stability Index | 6.50 | |||
| Company Info |
Bank of the James
Lynchburg, VA |
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| FDIC Number | 35207 | |||
| Phone Number | (434) 846-2000 | |||
| Website | www.bankofthejames.bank | |||
| Asset Quality |
Bank of the James
Lynchburg, VA |
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| 1-Year Asset Growth | 3.35% | |||
| 5-Year Asset Growth | 4.23% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 1.04% | |||
| Non-Performing Loans to Loans | 0.16% | |||
| Balance Sheet |
Bank of the James
Lynchburg, VA |
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| Total Assets | 1.03B | |||
| Total Deposits | 938.14M | |||
| Capital and Reserves |
Bank of the James
Lynchburg, VA |
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| Capital | 81.64M | |||
| Leverage Ratio | 9.38 | |||
| Loan Loss Reserves to Loans | 0.94% | |||
| Risk-Based Capital Ratio | 12.66 | |||
| Liquidity |
Bank of the James
Lynchburg, VA |
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| Hot Money Ratio | 14.84% | |||
| Liquidity Ratio | 17.17% | |||
| Profitability |
Bank of the James
Lynchburg, VA |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 5.23M | |||
| Net Interest Spread | 3.74% | |||
| Operating Profit to Average Assets | 1.24% | |||
| Overhead Efficiency Ratio | 72.05% | |||
| Return on Assets | 1.00% | |||
| Return on Equity | 13.09% | |||