Potomac Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	40.36	34.86	31.15	24.65	21.47
Interest Income on Investments	6.99	6.83	4.44	2.42	1.54
Total Interest Income	47.35	41.69	35.58	27.06	23.01
Interest Paid on Deposits	13.58	13.34	8.68	2.19	1.86
Interest Paid on Borrowings	1.93	1.28	0.89	0.6	0.57
Total Interest Expense	15.51	14.62	9.57	2.79	2.42
Net Interest Income	31.84	27.08	26.02	24.27	20.58
Net Interest Income Growth (YoY)	17.58%	4.07%	7.18%	17.93%	15.36%
Trust Income	2.06	1.95	1.74	1.51	1.42
Mortgage Banking Activities	1.45	0.99	0.68	0.63	1.64
Gain (Loss) on Sale of Assets	-0.01	0	-	-	-
Gain (Loss) on Sale of Investments	0.02	-0.64	-0.45	-0.4	0.04
Other Non-Interest Income	3.11	3.03	2.97	2.95	2.85
Total Non-Interest Income	7.56	6.4	5.95	5.72	6.83
Non-Interest Income Growth (YoY)	18.10%	7.51%	4.09%	-16.29%	18.69%
Revenues Before Loan Losses	39.39	33.47	31.97	29.99	27.41
Provision for Loan Losses	0.93	0.51	0.22	0.63	-0.49
Revenue	38.47	32.96	31.74	29.36	27.9
Revenue Growth (YoY)	16.70%	3.83%	8.13%	5.22%	25.94%
Salaries and Employee Benefits	14.95	13	12.36	11.25	9.98
Occupancy Expenses	1.3	1.13	1.03	1.08	1.07
Federal Deposit Insurance	0.42	0.39	0.36	0.2	0.17
Selling, General & Administrative	5.97	5.65	5.16	4.58	4.13
Other Non-Interest Expense	4.34	4	3.48	2.86	2.75
Total Non-Interest Expense	26.98	24.16	22.39	19.97	18.12
EBT Excluding Unusual Items	11.49	8.8	9.35	9.39	9.78
Pretax Income	11.49	8.8	9.35	9.39	9.78
Income Tax Expense	2.53	1.97	2.09	2.08	2.21
Net Income	8.96	6.83	7.26	7.31	7.57
Net Income to Common	8.96	6.83	7.26	7.31	7.57
Net Income Growth	31.15%	-5.99%	-0.64%	-3.42%	100.00%
Basic Shares Outstanding	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4
Shares Change (YoY)	-	-	0.07%	0.19%	-
EPS (Basic)	2.16	1.65	1.75	1.77	1.83
EPS (Diluted)	2.16	1.65	1.75	1.77	1.83
EPS Growth	31.11%	-5.86%	-0.85%	-3.55%	99.87%
Dividend Per Share	0.510	0.460	0.390	0.360	0.320
Dividend Growth	10.87%	17.95%	8.33%	12.50%	14.29%
Effective Tax Rate	22.04%	22.40%	22.34%	22.14%	22.59%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.