Potomac Bancshares, Inc. - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for Potomac Bancshares, Inc.. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

Potomac Bancshares, Inc.. The Group's principal activity is to provide banking services to consumers, businesses and governments in Berkeley and Jefferson County, West Virginia. The lending activities of the Group include commercial, financial, agricultural, residential and consumer loans. The deposits services of the Group include demand, NOW, savings, certificates of deposits and individual retirement accounts. The Group operates through its wholly owned subsidiary, Bank of Charles Town. Its market area includes Washington County and Frederick County, Maryland and Frederick County, Loudoun County and Clarke County, Virginia. As of 30-Jun- 2008, there were six banks in Jefferson County with 16 banking offices.

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