Potomac Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	43.42	40.36	34.86	31.15	24.65	21.47
Interest Income on Investments	7.63	6.99	6.83	4.44	2.42	1.54
Total Interest Income	51.06	47.35	41.69	35.58	27.06	23.01
Interest Paid on Deposits	13.39	13.58	13.34	8.68	2.19	1.86
Interest Paid on Borrowings	2.09	1.93	1.28	0.89	0.6	0.57
Total Interest Expense	15.48	15.51	14.62	9.57	2.79	2.42
Net Interest Income	35.58	31.84	27.08	26.02	24.27	20.58
Net Interest Income Growth	17.74%	17.58%	4.07%	7.18%	17.93%	15.36%
Trust Income	2.85	2.06	1.95	1.74	1.51	1.42
Mortgage Banking Activities	1.68	1.45	0.99	0.68	0.63	1.64
Gain (Loss) on Sale of Assets	0.49	-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	3.74	3.11	3.03	2.97	2.95	2.85
Total Non-Interest Income	9.74	7.56	6.4	5.95	5.72	6.83
Non-Interest Income Growth	35.73%	18.10%	7.51%	4.09%	-16.29%	18.69%
Revenues Before Loan Losses	45.32	39.39	33.47	31.97	29.99	27.41
Provision for Loan Losses	1.05	0.93	0.51	0.22	0.63	-0.49
Revenue	44.27	38.47	32.96	31.74	29.36	27.9
Revenue Growth	20.56%	16.70%	3.83%	8.13%	5.22%	25.94%
Salaries and Employee Benefits	16.7	14.95	13	12.36	11.25	9.98
Occupancy Expenses	1.3	1.3	1.13	1.03	1.08	1.07
Federal Deposit Insurance	0.44	0.42	0.39	0.36	0.2	0.17
Selling, General & Administrative	6.29	5.97	5.65	5.16	4.58	4.13
Other Non-Interest Expense	4.92	4.34	4	3.48	2.86	2.75
Total Non-Interest Expense	29.66	26.98	24.16	22.39	19.97	18.12
EBT Excluding Unusual Items	14.61	11.49	8.8	9.35	9.39	9.78
Pretax Income	14.61	11.49	8.8	9.35	9.39	9.78
Income Tax Expense	3.28	2.53	1.97	2.09	2.08	2.21
Net Income	11.33	8.96	6.83	7.26	7.31	7.57
Net Income to Common	11.33	8.96	6.83	7.26	7.31	7.57
Net Income Growth	32.39%	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	-	-	-	0.07%	0.19%	-
EPS (Basic)	2.73	2.16	1.65	1.75	1.77	1.83
EPS (Diluted)	2.73	2.16	1.65	1.75	1.77	1.83
EPS Growth	32.25%	31.11%	-5.86%	-0.85%	-3.55%	99.87%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	0.550	0.510	0.460	0.390	0.360	0.320
Dividend Growth	7.84%	10.87%	17.95%	8.33%	12.50%	14.29%
Effective Tax Rate	22.47%	22.04%	22.40%	22.34%	22.14%	22.59%