Potomac Bancshares, Inc. (PTBS)

Potomac Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	37.46	34.86	31.15	24.65	21.47	19.77
Interest Income on Investments	6.73	6.83	4.44	2.42	1.54	1.57
Total Interest Income	44.19	41.69	35.58	27.06	23.01	21.34
Interest Paid on Deposits	13.32	13.34	8.68	2.19	1.86	3.2
Interest Paid on Borrowings	1.77	1.28	0.89	0.6	0.57	0.3
Total Interest Expense	15.08	14.62	9.57	2.79	2.42	3.5
Net Interest Income	29.11	27.08	26.02	24.27	20.58	17.84
Net Interest Income Growth (YoY)	11.19%	4.07%	7.18%	17.93%	15.36%	9.51%
Trust Income	2.1	1.95	1.74	1.51	1.42	1.17
Mortgage Banking Activities	1.12	0.99	0.68	0.63	1.64	1.36
Gain (Loss) on Sale of Assets	-	0	-	-	-	-
Gain (Loss) on Sale of Investments	-0.25	-0.64	-0.45	-0.4	0.04	0
Other Non-Interest Income	3.02	3.03	2.97	2.95	2.85	2.34
Total Non-Interest Income	7.02	6.4	5.95	5.72	6.83	5.75
Non-Interest Income Growth (YoY)	18.58%	7.51%	4.09%	-16.29%	18.69%	5.27%
Revenues Before Loan Losses	36.12	33.47	31.97	29.99	27.41	23.59
Provision for Loan Losses	0.68	0.51	0.22	0.63	-0.49	1.44
Revenue	35.45	32.96	31.74	29.36	27.9	22.15
Revenue Growth (YoY)	11.52%	3.83%	8.13%	5.22%	25.94%	4.09%
Salaries and Employee Benefits	13.89	13	12.36	11.25	9.98	9.6
Occupancy Expenses	1.24	1.13	1.03	1.08	1.07	1.02
Federal Deposit Insurance	0.4	0.39	0.36	0.2	0.17	0.12
Selling, General & Administrative	5.59	5.65	5.16	4.58	4.13	3.95
Other Non-Interest Expense	4.11	4	3.48	2.86	2.75	2.6
Total Non-Interest Expense	25.23	24.16	22.39	19.97	18.12	17.31
EBT Excluding Unusual Items	10.22	8.8	9.35	9.39	9.78	4.84
Pretax Income	10.22	8.8	9.35	9.39	9.78	4.84
Income Tax Expense	2.23	1.97	2.09	2.08	2.21	1.06
Net Income	8	6.83	7.26	7.31	7.57	3.79
Net Income to Common	8	6.83	7.26	7.31	7.57	3.79
Net Income Growth	22.34%	-5.99%	-0.64%	-3.42%	100.00%	17.80%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	-	-	0.07%	0.19%	-	-
EPS (Basic)	1.93	1.65	1.75	1.77	1.83	0.92
EPS (Diluted)	1.93	1.65	1.75	1.77	1.83	0.92
EPS Growth	22.34%	-5.86%	-0.85%	-3.55%	99.87%	17.80%
Dividend Per Share	0.500	0.480	0.390	0.360	0.320	0.280
Dividend Growth	150.00%	23.08%	8.33%	12.50%	14.29%	-
Effective Tax Rate	21.77%	22.40%	22.34%	22.14%	22.59%	21.81%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.