See more : Wens Foodstuff Group Co., Ltd. (300498.SZ) 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 |
BCT-Bank of Charles Town Named A "Best Bank To Work For" for a Fourth Time by American Banker
CHARLES TOWN, W.Va. , Nov. 20, 2023 /PRNewswire/ -- (OTC:PTBS) BCT-Bank of Charles Town, also known as The Community's Bank, has been named one of the Best Banks to Work For in 2023.
BCT Expands Government Contractor Banking Services with Appointment of Christopher Turley
CHARLES TOWN, W.Va. , Nov. 14, 2023 /PRNewswire/ -- (OTC:PTBS) -- BCT-The Community's Bank recently appointed Christopher Turley as Senior Vice President and Director of Government Lending.
POTOMAC BANCSHARES, INC. REPORTS 2023 THIRD QUARTER RESULTS
CHARLES TOWN, W.V., Nov. 2, 2023 /PRNewswire/ -- Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), for the quarter ended September 30, 2023, earned $1.729 million or $0.42 per share compared...
BCTCares Foundation Raises $65,000 To Feed Local Food-Insecure Children Through Annual Pack the 'Pack Campaign
CHARLES TOWN, W.Va. , Oct. 30, 2023 /PRNewswire/ -- (OTC:PTBS) – The BCTCares Foundation, a philanthropy founded by the employees of BCT-Bank of Charles Town, also known as The Community's Bank, announced Friday, October 27, 2023 that it raised $65,000...
POTOMAC BANCSHARES, INC. DECLARES QUARTERLY DIVIDEND
CHARLES TOWN, W.Va. , Oct. 19, 2023 /PRNewswire/ -- The Board of Directors of Potomac Bancshares, Inc. (the "Company") (OTC: PTBS), the one bank holding company for Bank of Charles Town (BCT), declared at their October Board meeting a quarterly...
Alice Frazier, BCT President and CEO, Honored at Washington Business Journal's 2023 Women Who Mean Business Gala
CHARLES TOWN, W.Va., Oct. 6, 2023 /PRNewswire/ -- (OTC:PTBS) BCT-Bank of Charles Town, also known as The Community's Bank, is pleased to announce that Alice Frazier, President and CEO, and member of the Board of Directors, was recognized as one...
POTOMAC BANCSHARES, INC. REPORTS 2023 SECOND QUARTER RESULTS
CHARLES TOWN, W.Va. , Aug. 3, 2023 /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, 2023, earned $1.783 million or $0.43 per...
THE MOUNTAIN STATE APPLE HARVEST FESTIVAL (MSAHF) ANNOUNCES CONTINUED PARTNERSHIP WITH BCT-BANK OF CHARLES TOWN
CHARLES TOWN, W.Va. , July 26, 2023 /PRNewswire/ -- (OTC:PTBS) – Representatives of BCT-Bank of Charles Town joined with representatives of the Mountain State Apple Harvest Festival today for a special announcement that will continue to provide a major boost to the...
POTOMAC BANCSHARES, INC. DECLARES 11.1% INCREASE TO QUARTERLY DIVIDEND
CHARLES TOWN, W.Va. , July 20, 2023 /PRNewswire/ -- The Board of Directors of Potomac Bancshares, Inc. (the "Company") (OTC:PTBS), the one bank holding company for Bank of Charles Town (BCT), declared at their July Board meeting a quarterly dividend of $0.10...
Potomac Bancshares, Inc. To Present at Boenning & Scattergood Investor Forum
CHARLES TOWN, W.Va., Sept. 24, 2021 /PRNewswire/ -- Potomac Bancshares, Inc. (OTC: PTBS), the one bank holding company for Bank of Charles Town, also known as The Community's Bank, announced today they will present at the investor forum hosted by Boenning...
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