Bank of the James Financial Group Inc. reported unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2016. For the quarter, the company reported total interest income of $5,563,000 compared to $5,290,000 a year ago. Net interest income was $4,927,000 compared to $4,600,000 a year ago. Income before income taxes was $399,000 compared to $1,119,000 a year ago. Net income was $293,000 or $0.07 per basic and diluted share compared to $825,000 or $0.22 per basic and diluted share a year ago. Return on average assets was 0.21% compared to 0.63% a year ago. Return on average equity was 2.29% compared to 8.03% a year ago. For the year, the company reported total interest income of $21,568,000 compared to $20,302,000 a year ago. Net interest income was $19,224,000 compared to $17,611,000 a year ago. Income before income taxes was $4,813,000 compared to $5,343,000 a year ago. Net income was $1,527,000 or $0.75 per basic and diluted share compared to $1,651,000 or $1.07 per basic and diluted share a year ago. Return on average assets was 0.60% compared to 0.74% a year ago. Return on average equity was 6.60% compared to 9.78% a year ago. Book value per share was $11.29 at December 31, 2016, up from $11.01 at December 31, 2015.