Financial Information


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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2020 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves831,791714,59016.40802,43214.64
Loans Held for Sale, before Reserves95454575.0590322.59
Loan Loss Reserve10,8356,93956.1510,48113.51
Net Loans Receivable821,910708,19616.06792,85414.66
Intangible Assets1131130.001130.00
Total Assets1,131,955974,89316.111,104,28310.02
Deposits932,137781,79019.23900,61414.00
Debt, Senior and Subordinated84,47189,955(6.10)93,448(38.43)
Common Equity104,42792,69112.66101,35012.14
Total Shareholders' Equity104,42792,69112.66101,35012.14
Shares Outstanding (actual)4,452,2874,467,217(0.33)4,452,2870.00
Income Statement ($000)
 2020 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Net Interest Income8,4317,9695.807,89427.21
Provision for Loan Losses675150350.001,300(192.31)
Noninterest Income2,8421,76860.752,891(6.78)
Noninterest Expense6,3365,9476.546,07417.25
Net Income Before Taxes4,2863,71115.493,44997.07
Provision for Taxes1,03489815.14812109.36
Net Income3,2522,81315.612,63793.29
Per Share Items ($)
 2020 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Book Value per Share23.4520.7513.0422.7612.14
Tangible Book Value23.4320.7213.0522.7412.16
Diluted EPS Before Extra0.730.6315.870.5994.92
Diluted EPS After Extra0.730.6315.870.5994.92
Dividends Declared0.21000.20005.000.0000NM
Performance Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
ROAA1.181.1710.9523
ROAE12.5911.986110.45214
Net Interest Margin3.223.53(31)3.0319
Loans / Deposits89.2391.40(217)89.1014
Efficiency Ratio55.8759.90(403)55.4146
Balance Sheet Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.229.50(28)9.175
Equity/ Assets9.239.51(28)9.185
Asset Quality Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.900.55350.855
Loan Loss Reserves/ Gross Loans1.300.97331.300
Loan Loss Reserves/ NPAs106.56130.14(2,358)112.04(548)
Net Charge-offs/ Avg Loans0.160.0115(0.00)16
Regulatory Capital Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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