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 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves667,263613,1518.83664,7131.53
Loans Held for Sale, before Reserves24515657.05358(126.26)
Loan Loss Reserve6,5076,3871.886,23217.65
Net Loans Receivable661,001606,9208.91658,8391.31
Intangible Assets1131130.001130.00
Total Assets893,763844,2215.87915,998(9.71)
Deposits715,387693,9913.08725,826(5.75)
Debt, Senior and Subordinated84,26767,57624.7099,682(61.86)
Common Equity85,06274,35214.4080,84020.89
Total Shareholders' Equity85,06274,35214.4080,84020.89
Shares Outstanding (actual)4,495,1104,486,2450.204,487,8950.64
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income7,5726,81411.127,4775.08
Provision for Loan Losses400301,233.33602,266.67
Noninterest Income1,5651,590(1.57)1,718(35.62)
Noninterest Expense5,7455,3667.065,829(5.76)
Net Income Before Taxes3,5443,00817.823,30628.80
Provision for Taxes81365324.5077718.53
Net Income2,7312,35515.972,52931.95
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share18.9216.5714.1818.0120.22
Tangible Book Value18.9016.5514.2017.9920.24
Diluted EPS Before Extra0.610.5217.310.5635.71
Diluted EPS After Extra0.610.5217.310.5635.71
Dividends Declared0.00000.00000.000.1800NM
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.231.13101.149
ROAE13.4212.905212.6280
Net Interest Margin3.633.49143.585
Loans / Deposits93.2788.3549291.58169
Efficiency Ratio58.5963.08(449)62.54(395)
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.518.79718.8169
Equity/ Assets9.528.81718.8369
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.840.7950.6717
Loan Loss Reserves/ Gross Loans0.971.04(7)0.944
Loan Loss Reserves/ NPAs86.4495.73(929)101.63(1,519)
Net Charge-offs/ Avg Loans0.080.0350.071
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.47NANANA
   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.



Copyright 2019, © S&P Global Market Intelligence  Terms of Use
investor Search
  • Entire IR Site
    Press Releases Only
    Filings Only