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)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves684,911637,7937.39667,26310.58
Loans Held for Sale, before Reserves50405(87.65)245(318.37)
Loan Loss Reserve6,6646,1737.956,5079.65
Net Loans Receivable678,297632,0257.32661,00110.47
Intangible Assets1131130.001130.00
Total Assets901,314881,9462.20893,7633.38
Deposits715,217709,5910.79715,387(0.10)
Debt, Senior and Subordinated89,32682,8957.7684,26724.01
Common Equity87,10376,04814.5485,0629.60
Total Shareholders' Equity87,10376,04814.5485,0629.60
Shares Outstanding (actual)4,480,5854,491,789(0.25)4,495,110(1.29)
Income Statement ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income7,7987,2797.137,57211.94
Provision for Loan Losses15030400.00400(250.00)
Noninterest Income1,9031,55322.541,56586.39
Noninterest Expense6,1675,14519.865,74529.38
Net Income Before Taxes3,3843,657(7.47)3,544(18.06)
Provision for Taxes812890(8.76)813(0.49)
Net Income2,5722,767(7.05)2,731(23.29)
Per Share Items ($)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share19.4416.9314.8218.9210.93
Tangible Book Value19.4116.9114.8418.9010.94
Diluted EPS Before Extra0.570.62(8.06)0.61(26.23)
Diluted EPS After Extra0.570.62(8.06)0.61(26.23)
Dividends Declared0.20000.176713.210.0000NM
Performance Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.151.31(16)1.23(8)
ROAE11.9014.57(267)13.42(152)
Net Interest Margin3.723.6753.639
Loans / Deposits95.7689.8858893.27249
Efficiency Ratio62.8357.5652758.59424
Balance Sheet Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.658.611049.5115
Equity/ Assets9.668.621049.5215
Asset Quality Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.420.67(25)0.84(42)
Loan Loss Reserves/ Gross Loans0.970.9710.970
Loan Loss Reserves/ NPAs175.55104.337,12386.448,912
Net Charge-offs/ Avg Loans(0.00)0.16(16)0.08(8)
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-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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