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Bank of the James Announces Results for 1st Quarter 2003.
Business Editors
LYNCHBURG, Va.--(BUSINESS WIRE)--April 23, 2003
Bank of the James (OTCBB:BOTJ) (quarterly results unaudited) reported today total net income after tax of $305,000 or $0.33 per basic share for the quarter ending March 31, 2003 compared to net income of $114,000 or $0.12 per share for the same period a year ago.
Return on average assets and return on average equity for the quarter ended March 31, 2003 were 1.08% and 11.94% respectively.
Net interest income for the quarter ended March 31, 2003 was $1,232,000 as compared to net interest income of $875,000 in the same quarter of 2003, an increase of 40.8%. The growth in net interest income was due to the increase in average interest-earning assets which was the result of growth in the loan and investment portfolios funded by the growth in deposits and an increase in the net interest margin. The net interest margin increased to 4.69% in the first quarter of 2003 from 4.44% in the same period a year ago.
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