Bank of the James Financial Group Defensive Interval Ratio
Bank of the James Financial Group defensive interval ratio. Bank of the James Financial Group (BOTJ) has a Defensive Interval Ratio of 3 days as of December 2025. Defensive assets of $6.57 Million (cash $-, short-term investments $3.19 Million, receivables $3.38 Million) cover 3 days of daily cash needs of $2.57 Million/day. Explore Bank of the James Financial Group (BOTJ) investment intensity to see how much of total assets are deployed in long-term investments.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Bank of the James Financial Group (2001–2025)
Defensive interval ratio of Bank of the James Financial Group from 2001 to 2025. This chart shows how Bank of the James Financial Group's Defensive Interval Ratio has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the ratio stands at 3 days, meaning defensive assets of $6.57 Million can fund 3 days of operations without new revenue. Read total liabilities of Bank of the James Financial Group for a breakdown of total debt and financial obligations.
Bank of the James Financial Group Defensive Interval Ratio by Year (2001–2025)
Bank of the James Financial Group defensive interval ratio by year from 2001 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Bank of the James Financial Group from 2001 to 2025, covering 25 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see BOTJ total asset value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 122320 days | $59.32 Million | $484.93/day | $- | $55.94 Million | ▲ +122313 days |
| 2024 | 8 days | $18.45 Million | $2.42 Million/day | $- | $15.39 Million | ▼ -83 days |
| 2023 | 91 days | $219.34 Million | $2.41 Million/day | $- | $216.51 Million | ▲ +10 days |
| 2022 | 81 days | $188.52 Million | $2.32 Million/day | $- | $185.79 Million | ▲ +14 days |
| 2021 | 67 days | $163.89 Million | $2.43 Million/day | $- | $161.83 Million | ▼ -397289 days |
| 2020 | 397356 days | $92.53 Million | $232.88/day | $- | $90.19 Million | ▲ +267558 days |
| 2019 | 129799 days | $61.52 Million | $473.97/day | $- | $59.66 Million | ▲ +129766 days |
| 2018 | 33 days | $55.57 Million | $1.68 Million/day | $- | $52.73 Million | ▼ -191973 days |
| 2017 | 192006 days | $58.39 Million | $304.11/day | $- | $55.31 Million | ▲ +191976 days |
| 2016 | 30 days | $43.37 Million | $1.43 Million/day | $- | $40.78 Million | ▼ -229381 days |
| 2015 | 229411 days | $38.34 Million | $167.12/day | $- | $36.00 Million | ▲ +229387 days |
| 2014 | 24 days | $26.59 Million | $1.10 Million/day | $- | $24.39 Million | ▼ -21 days |
| 2013 | 45 days | $47.90 Million | $1.07 Million/day | $- | $46.09 Million | ▼ -3 days |
| 2012 | 48 days | $52.48 Million | $1.09 Million/day | $- | $50.29 Million | ▼ 0 days |
| 2011 | 48 days | $50.60 Million | $1.05 Million/day | $- | $48.34 Million | ▲ +9 days |
| 2010 | 39 days | $40.05 Million | $1.03 Million/day | $- | $38.59 Million | ▼ -6 days |
| 2009 | 45 days | $47.42 Million | $1.06 Million/day | $- | $45.24 Million | ▲ +22 days |
| 2008 | 23 days | $17.76 Million | $774.66K/day | $- | $16.14 Million | ▼ -18 days |
| 2007 | 41 days | $27.25 Million | $671.94K/day | $- | $25.73 Million | ▲ +6 days |
| 2006 | 35 days | $20.01 Million | $577.13K/day | $- | $18.70 Million | ▼ -1 days |
| 2005 | 35 days | $17.50 Million | $496.22K/day | $- | $16.42 Million | ▲ +8 days |
| 2004 | 27 days | $11.89 Million | $433.31K/day | $- | $10.91 Million | ▲ +25 days |
| 2003 | 2 days | $729.00K | $365.94K/day | $- | $- | ▼ 0 days |
| 2002 | 2 days | $613.30K | $283.90K/day | $- | $- | ▲ +0 days |
| 2001 | 2 days | $366.94K | $181.87K/day | $- | $- | — |