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 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves814,417684,91118.91714,45555.97
Loans Held for Sale, before Reserves3,755507,410.001,394677.47
Loan Loss Reserve9,1746,66437.677,87166.22
Net Loans Receivable808,998678,29719.27707,97857.08
Intangible Assets1131130.001130.00
Total Assets1,093,346901,31421.31969,87950.92
Deposits882,221715,21723.35765,28661.12
Debt, Senior and Subordinated101,17389,32613.26102,418(4.86)
Common Equity97,95487,10312.4693,15120.62
Total Shareholders' Equity97,95487,10312.4693,15120.62
Shares Outstanding (actual)4,452,2874,480,585(0.63)4,453,472(0.11)
Income Statement ($000)
 2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Net Interest Income7,7637,798(0.45)7,791(1.44)
Provision for Loan Losses1,8001501,100.001,8000.00
Noninterest Income2,9441,78265.212,232127.60
Noninterest Expense4,8795,578(12.53)6,330(91.69)
Net Income Before Taxes4,2223,38424.762,016437.70
Provision for Taxes1,03281227.09406616.75
Net Income3,1902,57224.031,610392.55
Per Share Items ($)
 2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Book Value per Share22.0019.4413.1720.9220.74
Tangible Book Value21.9819.4113.1920.8920.76
Diluted EPS Before Extra0.720.5726.320.36400.00
Diluted EPS After Extra0.720.5726.320.36400.00
Dividends Declared0.21000.20005.000.0000NM
Performance Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
ROAA1.201.1550.6753
ROAE13.3811.901486.84654
Net Interest Margin3.093.72(63)3.45(36)
Loans / Deposits92.3195.76(345)93.36(104)
Efficiency Ratio44.2362.83(1,860)61.59(1,736)
Balance Sheet Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.959.65(70)9.59(64)
Equity/ Assets8.969.66(70)9.60(65)
Asset Quality Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.490.4270.54(5)
Loan Loss Reserves/ Gross Loans1.120.97151.102
Loan Loss Reserves/ NPAs170.43175.55(513)151.451,897
Net Charge-offs/ Avg Loans0.25(0.00)250.49(24)
Regulatory Capital Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 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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