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 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves698,090642,9928.57684,9117.70
Loans Held for Sale, before Reserves3350NM502,280.00
Loan Loss Reserve6,8016,2808.306,6648.22
Net Loans Receivable691,624636,7128.62678,2977.86
Intangible Assets1131130.001130.00
Total Assets949,663883,2777.52901,31421.46
Deposits736,185717,2832.64715,21711.73
Debt, Senior and Subordinated113,13979,75641.8689,326106.63
Common Equity90,62478,09416.0487,10316.17
Total Shareholders' Equity90,62478,09416.0487,10316.17
Shares Outstanding (actual)4,471,2164,488,720(0.39)4,480,585(0.84)
Income Statement ($000)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Net Interest Income7,9447,2589.457,7987.49
Provision for Loan Losses150101,400.001500.00
Noninterest Income1,8021,61511.581,903(21.23)
Noninterest Expense5,4375,3731.195,578(10.11)
Net Income Before Taxes4,1593,49019.173,38491.61
Provision for Taxes1,02882924.00812106.40
Net Income3,1312,66117.662,57286.94
Per Share Items ($)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Book Value per Share20.2717.4016.5019.4417.04
Tangible Book Value20.2417.3716.5219.4117.06
Diluted EPS Before Extra0.700.5918.640.5791.23
Diluted EPS After Extra0.700.5918.640.5791.23
Dividends Declared0.00000.00000.000.2000NM
Performance Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
ROAA1.341.20141.1519
ROAE13.9413.643011.90204
Net Interest Margin3.603.48123.72(12)
Loans / Deposits94.8389.6451895.76(94)
Efficiency Ratio55.1459.75(461)62.83(769)
Balance Sheet Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.538.83709.65(12)
Equity/ Assets9.548.84709.66(12)
Asset Quality Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.570.67(10)0.4215
Loan Loss Reserves/ Gross Loans0.970.9800.970
Loan Loss Reserves/ NPAs125.06106.691,837175.55(5,049)
Net Charge-offs/ Avg Loans0.01(0.06)7(0.00)1
Regulatory Capital Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-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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