See more : Tong Yang Life Insurance Co., Ltd. (082640.KS) 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 |
BCTCares Foundation Launches Annual "Pack the 'Pack" Donations Program with Its Backpack Program Partners For Local Food-Insecure Children
CHARLES TOWN, W.Va. , July 12, 2024 /PRNewswire/ -- BCTCares Foundation, a nonprofit founded by BCT-Bank of Charles Town and its employees, today announced the launch of its annual Pack the 'Pack funding campaign through its BCTCares For The Hungry...
BCT Wealth Advisors Appoints Seasoned Advisor Mary Szabat, CFP® to Virginia and Washington, DC, Markets
CHARLES TOWN, W.Va. , June 4, 2024 /PRNewswire/ -- (OTC:PTBS) – BCT Wealth Advisors, a division of Bank of Charles Town, also known as The Community's Bank, recently announced the appointment of Mary C.
POTOMAC BANCSHARES, INC. REPORTS 2024 FIRST QUARTER RESULTS
CHARLES TOWN, W.Va. , May 7, 2024 /PRNewswire/ -- Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), for the quarter ended March 31, 2024, earned $1.675 million or $0.40 per...
BCT-Bank of Charles Town Announces Promotion of Leslie Crabill to Executive Vice President of BCT Wealth and Investments Division
CHARLES TOWN, W.Va. , May 6, 2024 /PRNewswire/ -- (OTC: PTBS) – BCT-Bank of Charles Town, also known as The Community's Bank, recently announced the promotion of Leslie D.
POTOMAC BANCSHARES, INC. DECLARES 20% INCREASE TO QUARTERLY DIVIDEND
CHARLES TOWN, W.Va. , April 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 April Board...
BCT-Bank of Charles Town Announces Alice Frazier Elected as Vice Chairman of ICBA
CHARLES TOWN, W.Va. , March 18, 2024 /PRNewswire/ -- (OTC:PTBS) BCT-Bank of Charles Town, also known as The Community's Bank, is pleased to announce the Independent Community Bankers of America (ICBA) has elected Alice Frazier, BCT's President and CEO, as...
POTOMAC BANCSHARES, INC. REPORTS 2023 FOURTH QUARTER AND FULL YEAR RESULTS
CHARLES TOWN, W.Va. , Feb. 1, 2024 /PRNewswire/ -- Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), for the quarter ended December 31, 2023, earned $1.710 million or $0.41 per...
POTOMAC BANCSHARES, INC. DECLARES QUARTERLY DIVIDEND
CHARLES TOWN, W.Va., Jan. 19, 2024 /PRNewswire/ -- (OTC:PTBS) – The Board of Directors of Potomac Bancshares, Inc. (the "Company"), the one bank holding company for Bank of Charles Town (BCT), declared at their January Board meeting a quarterly dividend...
BCT-Bank of Charles Town Voted 2023 "Best of the Best" for Bank, Mortgage Company, Loan Service, and Financial Planning by Journal-News Readers
CHARLES TOWN, W.Va. , Dec. 29, 2023 /PRNewswire/ -- BCT-Bank of Charles Town, also known as The Community's Bank, is pleased to announce it has been voted a 2023 Best of the Best Readers' Choice Awards recipient in four financial...
Erik Seppala Joins the SBA Lending Team for BCT-The Community's Bank
CHARLES TOWN, W.Va. , Dec. 5, 2023 /PRNewswire/ -- (OTC:PTBS) – BCT-The Community's Bank recently appointed Erik Seppala as Vice President and Relationship Manager for BCT's Small Business Administration (SBA) lending team.
Source: https://incomestatements.info
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