See more : Arisawa Mfg. Co., Ltd. (5208.T) Income Statement Analysis – Financial Results
Complete financial analysis of Potomac Bancshares, Inc. (PTBS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Potomac Bancshares, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Potomac Bancshares, Inc. (PTBS)
About Potomac Bancshares, Inc.
Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.74M | 32.77M | 29.83M | 27.09M | 25.53M | 22.24M | 21.40M | 18.72M | 15.75M | 14.49M | 15.11M | 13.51M | 14.04M | 13.84M | 14.85M | 15.24M | 15.89M | 15.93M | 14.47M | 12.76M | 11.39M | 10.55M | 8.56M | 7.51M | 7.00M | 1.25M | 1.26M |
| Cost of Revenue | 79.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 31.67M | 32.77M | 29.83M | 27.09M | 25.53M | 22.24M | 21.40M | 18.72M | 15.75M | 14.49M | 15.11M | 13.51M | 14.04M | 13.84M | 14.85M | 15.24M | 15.89M | 15.93M | 14.47M | 12.76M | 11.39M | 10.55M | 8.56M | 7.51M | 7.00M | 1.25M | 1.26M |
| Gross Profit Ratio | 99.75% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 3.37M | 1.08M | 934.00K | 798.00K | 986.00K | 2.02M | 1.77M | 1.54M | 1.42M | 1.53M | 0.00 | 0.00 | 6.15M | 5.77M | 5.88M | 5.15M | 5.25M | 5.10M | 4.52M | 4.08M | 3.95M | 3.52M | 3.14M | 2.86M | 2.60M | 2.63M | 2.47M |
| Selling & Marketing | 396.00K | 296.00K | 238.00K | 217.00K | 367.00K | 369.00K | 289.00K | 186.00K | 126.00K | 7.24M | 0.00 | 0.00 | 0.00 | 137.00K | 176.00K | 266.00K | 246.00K | 297.00K | 281.00K | 222.00K | 228.71K | 201.20K | 166.78K | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 18.55M | 1.38M | 1.17M | 1.02M | 1.35M | 12.39M | 10.61M | 10.08M | 9.30M | 8.77M | 0.00 | 0.00 | 6.15M | 5.90M | 6.06M | 5.41M | 5.50M | 5.40M | 4.80M | 4.30M | 4.18M | 3.72M | 3.31M | 2.86M | 2.60M | 2.63M | 2.47M |
| Other Expenses | 0.00 | -6.28M | -5.71M | -5.24M | -5.33M | -4.88M | -4.45M | -4.29M | 0.00 | 0.00 | 0.00 | 0.00 | -22.45M | -17.27M | -24.59M | -17.93M | -15.86M | -14.99M | -13.59M | -12.26M | -11.47M | -10.41M | -8.69M | -7.50M | -7.20M | -1.52M | -1.00M |
| Operating Expenses | 22.39M | 6.28M | 5.71M | 5.24M | 5.33M | 4.88M | 4.45M | 4.29M | 11.82M | 11.27M | 11.70M | 11.10M | -16.30M | -11.36M | -18.53M | -12.52M | -10.37M | -9.59M | -8.79M | -7.96M | -7.29M | -6.69M | -5.38M | -4.64M | -4.60M | 1.11M | 1.47M |
| Cost & Expenses | 22.39M | 23.38M | 20.05M | 22.25M | 21.42M | 17.90M | 15.48M | 15.34M | 11.82M | 11.27M | 11.70M | 11.10M | -16.30M | -11.36M | -18.53M | -12.52M | -10.37M | -9.59M | -8.79M | -7.96M | -7.29M | -6.69M | -5.38M | -4.64M | -4.60M | 1.11M | 1.47M |
| Interest Income | 0.00 | 27.06M | 23.01M | 21.34M | 20.08M | 17.57M | 16.11M | 14.33M | 12.81M | 12.07M | 0.00 | 0.00 | 12.54M | 13.88M | 14.91M | 17.36M | 19.69M | 19.10M | 15.42M | 12.01M | 10.79M | 11.28M | 10.96M | 10.33M | 10.00M | 10.06M | 9.56M |
| Interest Expense | 0.00 | 2.79M | 2.42M | 3.50M | 3.78M | 2.70M | 2.12M | 1.76M | 1.51M | 1.28M | 0.00 | 0.00 | 2.90M | 4.14M | 5.12M | 6.48M | 8.16M | 6.93M | 4.14M | 2.41M | 2.23M | 2.82M | 3.76M | 3.97M | 4.20M | 4.40M | 3.71M |
| Depreciation & Amortization | -9.71M | 613.00K | 670.00K | 736.00K | 685.00K | 545.00K | 445.00K | 441.00K | -4.44M | -3.68M | -3.42M | -2.40M | 477.00K | 550.00K | 573.00K | 532.00K | 505.00K | 582.00K | 647.00K | 706.00K | 776.66K | 417.12K | 288.46K | 236.55K | 200.00K | 224.57K | 221.09K |
| EBITDA | -361.00K | -321.00K | -311.00K | -303.00K | -314.00K | 4.89M | 6.36M | 3.83M | -516.00K | 3.22M | 0.00 | 0.00 | -1.78M | 3.02M | -3.10M | 3.25M | 6.10M | 6.92M | 6.33M | 4.80M | 4.88M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | -1.14% | -0.61% | -0.64% | -0.54% | -0.47% | -1.06% | -1.53% | -2.64% | -3.28% | -3.15% | 0.00% | 0.00% | -12.70% | 21.85% | -20.90% | 21.31% | 37.96% | 43.45% | 43.74% | 43.16% | 42.85% | 40.60% | 40.48% | 41.34% | 37.14% | 206.44% | 234.79% |
| Operating Income | 9.71M | 9.59M | 9.97M | 4.99M | 4.23M | 4.58M | 6.25M | 3.88M | 4.44M | 3.68M | 3.42M | 2.40M | -2.26M | 2.47M | -3.68M | 2.72M | 5.53M | 6.34M | 5.68M | 4.80M | 4.11M | 3.87M | 3.18M | 2.87M | 2.40M | 2.36M | 2.73M |
| Operating Income Ratio | 30.60% | 29.26% | 33.42% | 18.40% | 16.58% | 20.60% | 29.19% | 20.72% | 28.21% | 25.37% | 22.60% | 17.80% | -16.10% | 17.88% | -24.76% | 17.82% | 34.78% | 39.80% | 39.27% | 37.63% | 36.03% | 36.64% | 37.11% | 38.19% | 34.29% | 188.49% | 217.18% |
| Total Other Income/Expenses | -361.00K | -199.00K | -192.00K | -145.00K | -120.00K | -236.00K | -327.00K | -494.00K | -446.00K | -445.00K | 0.00 | 0.00 | -477.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -369.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.40M | 0.00 | 2.73M |
| Income Before Tax | 9.35M | 9.39M | 9.78M | 4.84M | 4.11M | 4.35M | 5.92M | 3.39M | 3.93M | 3.22M | 3.42M | 2.40M | -2.26M | 2.47M | -3.68M | 2.72M | 5.53M | 6.34M | 5.68M | 4.80M | 4.11M | 3.87M | 3.18M | 2.87M | 2.40M | 2.36M | 2.73M |
| Income Before Tax Ratio | 29.46% | 28.66% | 32.78% | 17.87% | 16.11% | 19.54% | 27.67% | 18.08% | 24.94% | 22.21% | 22.60% | 17.80% | -16.10% | 17.88% | -24.76% | 17.82% | 34.78% | 39.80% | 39.27% | 37.63% | 36.03% | 36.64% | 37.11% | 38.19% | 34.29% | 188.49% | 217.18% |
| Income Tax Expense | 2.09M | 2.08M | 2.21M | 1.06M | 901.00K | 954.00K | 2.11M | 1.17M | 1.35M | 1.06M | 1.09M | 765.00K | -1.25M | 680.00K | -1.44M | 853.00K | 2.00M | 2.31M | 2.02M | 1.71M | 1.43M | 1.41M | 1.17M | 1.05M | 900.00K | 868.72K | 1.01M |
| Net Income | 7.26M | 7.31M | 7.57M | 3.79M | 3.21M | 3.39M | 3.81M | 2.22M | 2.58M | 2.16M | 2.33M | 1.64M | -1.01M | 1.79M | -2.24M | 1.86M | 3.53M | 4.04M | 3.66M | 3.09M | 2.67M | 2.46M | 2.01M | 1.81M | 1.50M | 1.49M | 1.72M |
| Net Income Ratio | 22.88% | 22.31% | 25.37% | 13.97% | 12.58% | 15.25% | 17.81% | 11.85% | 16.38% | 14.90% | 15.40% | 12.13% | -7.19% | 12.97% | -15.09% | 12.22% | 22.21% | 25.32% | 25.31% | 24.22% | 23.46% | 23.30% | 23.48% | 24.16% | 21.43% | 119.04% | 137.10% |
| EPS | 1.75 | 1.77 | 1.83 | 0.92 | 0.78 | 0.94 | 1.14 | 0.66 | 0.76 | 0.64 | 0.69 | 0.48 | -0.30 | 0.53 | -0.66 | 0.55 | 1.03 | 1.17 | 1.06 | 0.89 | 0.75 | 2.06 | 0.56 | 0.50 | 0.43 | 0.41 | 0.48 |
| EPS Diluted | 1.75 | 1.77 | 1.83 | 0.92 | 0.78 | 0.94 | 1.14 | 0.66 | 0.76 | 0.64 | 0.69 | 0.48 | -0.30 | 0.53 | -0.66 | 0.55 | 1.03 | 1.16 | 1.05 | 0.89 | 0.75 | 2.06 | 0.56 | 0.50 | 0.43 | 0.41 | 0.48 |
| Weighted Avg Shares Out | 4.15M | 4.14M | 4.13M | 4.13M | 4.13M | 3.60M | 3.34M | 3.35M | 3.39M | 3.39M | 3.37M | 3.41M | 3.39M | 3.39M | 3.39M | 3.40M | 3.42M | 3.45M | 3.46M | 3.47M | 3.57M | 3.59M | 3.60M | 3.60M | 3.50M | 3.60M | 3.60M |
| Weighted Avg Shares Out (Dil) | 4.14M | 4.14M | 4.13M | 4.13M | 4.13M | 3.60M | 3.34M | 3.35M | 3.38M | 3.39M | 3.37M | 3.41M | 3.39M | 3.39M | 3.39M | 3.40M | 3.43M | 3.48M | 3.49M | 3.47M | 3.57M | 3.59M | 3.60M | 3.68M | 3.50M | 3.60M | 3.60M |
Potomac Bankshares, Inc. and BCT-Bank of Charles Town Announce Shane Bell as Chief Financial Officer
CHARLES TOWN, W.Va. , Dec. 4, 2024 /PRNewswire/ -- (OTC: PTBS) – Potomac Bankshares, Inc. (the "Company"), the parent company of Bank of Charles Town (the "Bank"), also known as BCT-The Community's Bank, today announced the appointment of M.
BCT-Bank of Charles Town Appoints Ronald B. Burley as Chief Retail Banking Officer
CHARLES TOWN, W.Va. , Dec. 2, 2024 /PRNewswire/ -- (OTC: PTBS) – BCT-Bank of Charles Town, also known as The Community's Bank, today announced the appointment of Ronald B.
BCT-Bank of Charles Town Named A "Best Bank to Work For" for a Fifth Time by American Banker
CHARLES TOWN, W.Va. , Nov. 13, 2024 /PRNewswire/ -- (OTC:PTBS) - BCT-Bank of Charles Town, also known as The Community's Bank, has been named a "2024 Best Banks to Work For.
POTOMAC BANCSHARES, INC. REPORTS 2024 THIRD QUARTER RESULTS
CHARLES TOWN, W.Va. , Nov. 4, 2024 /PRNewswire/ -- Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), also known as The Community's Bank, for the quarter ended September 30, 2024,...
BCT Residential Lending Adds The Richardson Team in Fairfax County, Virginia
CHARLES TOWN, W.Va. , Oct. 23, 2024 /PRNewswire/ -- (OTC:PTBS) – BCT Residential Lending, a division of Bank of Charles Town, also known as The Community's Bank, announced the expansion of its mortgage lending team into Fairfax County, Virginia, with the addition...
POTOMAC BANCSHARES, INC. DECLARES QUARTERLY DIVIDEND
CHARLES TOWN, W.Va. , Oct. 17, 2024 /PRNewswire/ -- The Board of Directors of Potomac Bancshares, Inc. (the "Company") (OTC:PTBS), the one bank holding company for Bank of Charles Town (BCT), also known as The Community's Bank, declared at their...
BCTCares Foundation's 2024 Pack the 'Pack Campaign Raises a Record $90,000 for Local Food-Insecure Children
CHARLES TOWN, W.Va. , Sept. 26, 2024 /PRNewswire/ -- The BCTCares Foundation, a nonprofit founded and operated by employees of BCT-Bank of Charles Town (OTC:PTBS), also known as The Community's Bank, announced Wednesday, September 25, 2024, that it raised a record...
POTOMAC BANCSHARES, INC. REPORTS 2024 SECOND QUARTER RESULTS
CHARLES TOWN, W.Va., July 31, 2024 /PRNewswire/ -- Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), for the quarter ended June 30, 2024, earned $1.421 million or $0.34 per share compared...
BCT-The Community's Bank Voted 2024 "Loudoun's Favorite" Winner for Bank, Mortgage Company, Financial Planner, and Banker by LoudounNow Readers
CHARLES TOWN, W.Va. , July 26, 2024 /PRNewswire/ -- (OTC:PTBS) BCT-Bank of Charles Town, also known as The Community's Bank in the Northern Virginia and Washington, DC metro area, announced it was voted WINNER in the 2024 Loudoun's Favorite poll in...
POTOMAC BANCSHARES, INC. DECLARES QUARTERLY DIVIDEND
CHARLES TOWN, W.Va., July 18, 2024 /PRNewswire/ -- The Board of Directors of Potomac Bancshares, Inc. (the "Company") (OTC:PTBS), the one bank holding company for Bank of Charles Town (BCT), also known as The Community's Bank, declared at their July...
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