BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ) [Rocket]

In millions, except per share items	Dec-31-22	Dec-31-21	Dec-31-20	Dec-31-19	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	26.2	26.5	28.0	27.6	24.8	22.1	20.5	19.4
Interest income on investments	1.2	0.9	0.4	0.3	0.3	0.3	0.2	0.0
Interest income on repurchase agreements	0.7	0.1	0.1	0.5	0.4	0.1	0.0	0.0
	31.9	29.2	29.7	29.8	27.0	23.7	21.6	20.3
Interest expense:
Interest on borrowings					0.0			0.0
	0.4			5.3	3.8	3.0	2.3	2.7
Net interest income	32.3	29.2	29.7	24.6	23.2	20.7	19.2	17.6
Provision for loan losses	-0.9	-0.5	2.5	0.5	0.7	1.0	1.6	0.3
Net interest income after provision for loan losses	33.2	29.7	27.1	24.0	22.5	19.7	17.6	17.3
Deposit and loan fees							1.4	1.4
Other non-interest income	13.2	11.2	11.0	7.2	5.2	4.7	3.4	2.8
Total non-interest income	13.2	11.2	11.0	7.2	5.2	4.7	4.8	4.2
Non-interest expenses	32.7	29.3	27.4	24.3	21.1	19.0	17.6	16.2
Pre-tax income	11.1	9.5	6.2	6.9	6.6	5.4	4.8	5.3
Income taxes	2.2	1.9	1.2	1.3	1.3	2.4	1.5	1.7
Tax rate	19.4%	19.7%	19.4%	19.2%	20.0%	45.5%	31.7%	30.9%
Net income	9.0	7.6	5.0	5.6	5.3	2.9	3.3	3.7
Net margin	19.3%	18.6%	13.1%	18.0%	19.1%	12.0%	14.7%	17.2%

Basic EPS	$1.91	$1.60	$1.04	$1.28	$1.21	$0.67	$0.75	$1.07
Diluted EPS	$1.91	$1.60	$1.04	$1.28	$1.21	$0.67	$0.75	$1.07

Shares outstanding (basic)	4.7	4.7	4.8	4.4	4.4	4.4	4.4	3.5
Shares outstanding (diluted)	4.7	4.7	4.8	4.4	4.4	4.4	4.4	3.5

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.