Potomac Bancshares, Inc. (PTBS)

Potomac Bancshares Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	41.34	40.36	34.86	31.15	24.65	21.47
Interest Income on Investments	7.23	6.99	6.83	4.44	2.42	1.54
Total Interest Income	48.57	47.35	41.69	35.58	27.06	23.01
Interest Paid on Deposits	13.72	13.58	13.34	8.68	2.19	1.86
Interest Paid on Borrowings	1.98	1.93	1.28	0.89	0.6	0.57
Total Interest Expense	15.7	15.51	14.62	9.57	2.79	2.42
Net Interest Income	32.88	31.84	27.08	26.02	24.27	20.58
Net Interest Income Growth (YoY)	17.26%	17.58%	4.07%	7.18%	17.93%	15.36%
Trust Income	2.3	2.06	1.95	1.74	1.51	1.42
Mortgage Banking Activities	1.7	1.45	0.99	0.68	0.63	1.64
Gain (Loss) on Sale of Assets	-0.02	-0.01	0	-	-	-
Gain (Loss) on Sale of Investments	0.02	0.02	-0.64	-0.45	-0.4	0.04
Other Non-Interest Income	3.66	3.11	3.03	2.97	2.95	2.85
Total Non-Interest Income	8.57	7.56	6.4	5.95	5.72	6.83
Non-Interest Income Growth (YoY)	29.55%	18.10%	7.51%	4.09%	-16.29%	18.69%
Revenues Before Loan Losses	41.44	39.39	33.47	31.97	29.99	27.41
Provision for Loan Losses	0.88	0.93	0.51	0.22	0.63	-0.49
Revenue	40.57	38.47	32.96	31.74	29.36	27.9
Revenue Growth (YoY)	19.07%	16.70%	3.83%	8.13%	5.22%	25.94%
Salaries and Employee Benefits	15.65	14.95	13	12.36	11.25	9.98
Occupancy Expenses	1.29	1.3	1.13	1.03	1.08	1.07
Federal Deposit Insurance	0.43	0.42	0.39	0.36	0.2	0.17
Selling, General & Administrative	5.96	5.97	5.65	5.16	4.58	4.13
Other Non-Interest Expense	4.59	4.34	4	3.48	2.86	2.75
Total Non-Interest Expense	27.92	26.98	24.16	22.39	19.97	18.12
EBT Excluding Unusual Items	12.64	11.49	8.8	9.35	9.39	9.78
Pretax Income	12.64	11.49	8.8	9.35	9.39	9.78
Income Tax Expense	2.83	2.53	1.97	2.09	2.08	2.21
Net Income	9.81	8.96	6.83	7.26	7.31	7.57
Net Income to Common	9.81	8.96	6.83	7.26	7.31	7.57
Net Income Growth	33.66%	31.15%	-5.99%	-0.64%	-3.42%	100.00%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	0.36%	-	-	0.07%	0.19%	-
EPS (Basic)	2.37	2.16	1.65	1.75	1.77	1.83
EPS (Diluted)	2.37	2.16	1.65	1.75	1.77	1.83
EPS Growth	33.14%	31.11%	-5.86%	-0.85%	-3.55%	99.87%
Dividend Per Share	0.380	0.510	0.460	0.390	0.360	0.320
Dividend Growth	-22.45%	10.87%	17.95%	8.33%	12.50%	14.29%
Effective Tax Rate	22.39%	22.04%	22.40%	22.34%	22.14%	22.59%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.