Financial Information


PSB HOLDINGS, INC. (OTC Pink - PSBQ)
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves616,474592,1924.10541,6759.33
Loans Held for Sale, before Reserves0802NM0NM
Loan Loss Reserve6,3986,0835.186,350(4.20)
Net Loans Receivable610,076586,9113.95535,3259.64
Intangible Assets1131130.00182(37.91)
Total Assets847,681827,5282.44784,4105.50
Deposits702,303686,7602.26666,1763.09
Debt, Senior and Subordinated62,31662,861(0.87)44,80140.31
Common Equity73,78269,0526.8565,0856.10
Total Shareholders' Equity73,78269,0526.8565,0856.10
Shares Outstanding (actual)1,507,2001,525,843(1.22)1,576,034(3.18)
Income Statement ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income27,17624,9978.7223,6815.56
Provision for Loan Losses38555600.00(530)NM
Noninterest Income6,1036,589(7.38)6,1487.17
Noninterest Expense20,34619,2785.5418,8812.10
Net Income Before Taxes12,55212,4061.1811,4788.09
Provision for Taxes5,3653,97035.143,7296.46
Net Income7,1878,436(14.81)7,7498.87
Per Share Items ($)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share48.9545.258.1741.309.58
Tangible Book Value48.8845.188.1841.189.71
Diluted EPS Before Extra4.735.48(13.69)4.8313.46
Diluted EPS After Extra4.735.48(13.69)4.8313.46
Dividends Declared0.96000.90006.670.84007.14
Performance Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA0.871.07(20)1.034
ROAE9.8212.39(257)12.0435
Net Interest Margin3.543.4683.451
Loans / Deposits87.7886.2315581.31492
Efficiency Ratio59.0059.33(33)61.36(203)
Balance Sheet Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets8.698.33368.286
Equity/ Assets8.708.34368.305
Asset Quality Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets1.271.04231.49(45)
Loan Loss Reserves/ Gross Loans1.041.0311.17(15)
Loan Loss Reserves/ NPAs59.5670.86(1,130)54.431,643
Net Charge-offs/ Avg Loans0.010.06(4)(0.09)14
Regulatory Capital Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio13.0912.9712NANA

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