Potomac Bancshares (Potomac Bancshares) Effective Interest Rate on Debt % : 0.00% (As of Sep. 2018)

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What is Potomac Bancshares Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Potomac Bancshares's annualized positive value of Interest Expense for the quarter that ended in Sep. 2018 was $2.86 Mil. Potomac Bancshares's average total debt for the quarter that ended in Sep. 2018 was $0.00 Mil. Therefore, Potomac Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2018 was N/A%.

Potomac Bancshares Effective Interest Rate on Debt % Historical Data

The historical data trend for Potomac Bancshares's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Potomac Bancshares Effective Interest Rate on Debt % Chart

Potomac Bancshares Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Effective Interest Rate on Debt %

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1,961.78

259.70

118.65

126.06

136.79

Potomac Bancshares Quarterly Data
	Mar11	Jun11	Sep11	Dec11	Mar12	Mar14	Jun14	Sep14	Mar15	Jun15	Sep15	Mar16	Jun16	Sep16	Mar17	Jun17	Sep17	Mar18	Jun18	Sep18
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															-	-	-	-	-

Competitive Comparison of Potomac Bancshares's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Potomac Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Potomac Bancshares's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Potomac Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Potomac Bancshares's Effective Interest Rate on Debt % falls into.

Potomac Bancshares Effective Interest Rate on Debt % Calculation

Potomac Bancshares's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2011 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2010 )	+	Total Debt (A: Dec. 2011 ))	/ count )
=	-1 * -2.9	/	( (2.717	+	1.523)	/ 2 )
=	-1 * -2.9	/	2.12
=	136.79 %

where

	Total Debt (A: Dec. 2010 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	2.717	+	0
=	2.717

	Total Debt (A: Dec. 2011 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	1.523	+	0
=	1.523

Potomac Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2018 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2018 )	+	Total Debt (Q: Sep. 2018 ))	/ count )
=	-1 * -2.856	/	( (0	+	0)	/ 1 )
=	-1 * -2.856	/	0
=	N/A %

where

	Total Debt (Q: Jun. 2018 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (Q: Sep. 2018 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2018) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Potomac Bancshares (OTCPK:PTBS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Potomac Bancshares Effective Interest Rate on Debt % Related Terms

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Potomac Bancshares (Potomac Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Potomac Bancshares Inc (OTCPK:PTBS) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

111 East Washington Street, P.O. Box 906, Charles Town, WV, USA, 25414-0906

Website

https://www.mybct.com

Potomac Bancshares Inc is a bank holding company. The bank engages in the general banking business and provides individuals, businesses, and local governments with a range of banking services. The services provided by the bank include commercial credit lines, equipment loans, and construction financing; real estate loans, secondary market, and adjustable-rate mortgages; retail loan products including home equity lines of credit; checking and savings accounts for businesses and individuals; and certificates of deposit and individual retirement accounts.