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 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves802,432698,09014.95814,417(5.89)
Loans Held for Sale, before Reserves903335169.553,755(303.81)
Loan Loss Reserve10,4816,80154.119,17456.99
Net Loans Receivable792,854691,62414.64808,998(7.98)
Intangible Assets1131130.001130.00
Total Assets1,104,283949,66316.281,093,3464.00
Deposits900,614736,18522.34882,2218.34
Debt, Senior and Subordinated93,448113,139(17.40)101,173(30.54)
Common Equity101,35090,62411.8497,95413.87
Total Shareholders' Equity101,35090,62411.8497,95413.87
Shares Outstanding (actual)4,452,2874,471,216(0.42)4,452,2870.00
Income Statement ($000)
 2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Net Interest Income7,8947,944(0.63)7,7636.75
Provision for Loan Losses1,300150766.671,800(111.11)
Noninterest Income2,8911,80260.432,944(7.20)
Noninterest Expense6,0745,43711.724,87997.97
Net Income Before Taxes3,4494,159(17.07)4,222(73.24)
Provision for Taxes8121,028(21.01)1,032(85.27)
Net Income2,6373,131(15.78)3,190(69.34)
Per Share Items ($)
 2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Book Value per Share22.7620.2712.3122.0013.87
Tangible Book Value22.7420.2412.3321.9813.88
Diluted EPS Before Extra0.590.70(15.71)0.72(72.22)
Diluted EPS After Extra0.590.70(15.71)0.72(72.22)
Dividends Declared0.00000.00000.000.2100NM
Performance Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
ROAA0.951.34(39)1.20(25)
ROAE10.4513.94(349)13.38(293)
Net Interest Margin3.033.60(57)3.09(6)
Loans / Deposits89.1094.83(573)92.31(322)
Efficiency Ratio55.4155.142744.231,118
Balance Sheet Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.179.53(36)8.9522
Equity/ Assets9.189.54(36)8.9622
Asset Quality Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.850.57280.4936
Loan Loss Reserves/ Gross Loans1.300.97331.1218
Loan Loss Reserves/ NPAs705.79125.0658,073170.4353,537
Net Charge-offs/ Avg Loans(0.00)0.01(1)0.25(25)
Regulatory Capital Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 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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