Financial Information


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

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


Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves637,793606,9815.08613,15116.08
Loans Held for Sale, before Reserves405424(4.48)156638.46
Loan Loss Reserve6,1736,287(1.81)6,387(13.40)
Net Loans Receivable632,025601,1185.14606,92016.55
Intangible Assets1131130.001130.00
Total Assets881,946846,8334.15844,22117.87
Deposits709,591695,1302.08693,9918.99
Debt, Senior and Subordinated82,89570,77117.1367,57690.68
Common Equity76,04872,9204.2974,3529.12
Total Shareholders' Equity76,04872,9204.2974,3529.12
Shares Outstanding (actual)4,491,7894,562,637(1.55)4,486,2450.49
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income7,2796,7717.506,81427.30
Provision for Loan Losses30105(71.43)300.00
Noninterest Income1,5531,660(6.45)1,590(9.31)
Noninterest Expense5,1455,0491.905,366(16.47)
Net Income Before Taxes3,6573,28111.463,00886.30
Provision for Taxes8901,119(20.46)653145.18
Net Income2,7672,16227.982,35569.98
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share16.9315.985.9316.578.62
Tangible Book Value16.9115.965.9416.558.63
Diluted EPS Before Extra0.620.4730.280.5271.34
Diluted EPS After Extra0.620.4730.280.5271.34
Dividends Declared0.17670.160010.420.0000NM
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.311.05261.1318
ROAE14.5711.9126612.90167
Net Interest Margin3.673.54133.4918
Loans / Deposits89.8887.3225688.35153
Efficiency Ratio57.5658.41(85)63.08(552)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.618.6018.79(18)
Equity/ Assets8.628.6118.81(18)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.671.28(61)0.79(12)
Loan Loss Reserves/ Gross Loans0.971.04(7)1.04(7)
Loan Loss Reserves/ NPAs104.3358.034,63095.73860
Net Charge-offs/ Avg Loans0.16(0.01)170.0313
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.96NA13.47NA
   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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