| Weiss Ratings |
Bank of the James
Lynchburg, VA |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 7.10 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 6.30 | |||
| 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 | 6.37% | |||
| 5-Year Asset Growth | 4.23% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.17% | |||
| Non-Performing Loans to Capital | 1.70% | |||
| Non-Performing Loans to Loans | 0.25% | |||
| Balance Sheet |
Bank of the James
Lynchburg, VA |
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| Total Assets | 1.03B | |||
| Total Deposits | 940.60M | |||
| Capital and Reserves |
Bank of the James
Lynchburg, VA |
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| Capital | 78.41M | |||
| Leverage Ratio | 9.05 | |||
| Loan Loss Reserves to Loans | 0.96% | |||
| Risk-Based Capital Ratio | 12.54 | |||
| Liquidity |
Bank of the James
Lynchburg, VA |
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| Hot Money Ratio | 14.72% | |||
| Liquidity Ratio | 19.61% | |||
| Profitability |
Bank of the James
Lynchburg, VA |
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| 5-Year Return on Average Assets | 0.79% | |||
| Net Income | 7.79M | |||
| Net Interest Spread | 3.54% | |||
| Operating Profit to Average Assets | 0.93% | |||
| Overhead Efficiency Ratio | 78.76% | |||
| Return on Assets | 0.77% | |||
| Return on Equity | 10.77% | |||