Financial Highlights


PSB HOLDINGS, INC. (OTC Pink - PSBQ)
Select Period: Financial Charting
 2013 FY2014 FY2015 FY2016 FY2017 FQ2 YTD
Period Ended12/31/201312/31/201412/31/201512/31/20166/30/2017
Balance Sheet ($000)   
Total Assets 711,541734,367784,410827,528846,833
Total Net Loans 510,030525,683535,325586,911601,118
Total Deposits 577,514622,951666,176686,760695,130
Equity Attributable to Parent Company 56,75361,46165,08569,05272,920
Total Equity 56,75361,46165,08569,05272,920
Profitability (%)   
Net Income ($000)  4,7446,4407,7498,4364,132
Net Income Attributable to Parent ($000)  4,7446,4407,7498,4364,132
ROAA 0.680.901.031.071.00
Core ROAA 0.680.931.041.051.00
ROAE 8.3710.7512.0412.3911.54
ROATCE 8.3710.8312.1712.4811.56
Core ROAE 8.3111.2012.1312.0911.53
Net Interest Margin 3.383.383.453.463.51
Reported: Net Interest Margin 3.383.383.453.463.54
Efficiency Ratio 57.7560.0760.3959.6659.99
Noninterest Inc / Operating Rev 20.7220.4520.6120.8618.63
Balance Sheet Ratios (%)   
Loans / Deposits 89.4685.4081.3186.2387.32
Securities / Assets 19.1220.0120.0720.2919.77
Total Equity / Total Assets 7.988.378.308.348.61
Tangible Equity / Tangible Assets 7.988.348.288.338.60
Tang Common Equity / Tang Assets 7.988.348.288.338.60
Asset Quality (%)   
NPAs / Assets 1.461.961.491.041.28
NPA Excl Restructured / Assets 1.281.370.850.480.51
NPAs & 90+ PD / Assets 1.461.961.491.041.28
NPAs / Loans & REO 2.002.702.151.451.78
Nonaccrual & 90+ & OREO / Assets 1.281.370.850.480.51
NPAs & 90+ PD / Loans & REO 2.002.702.151.451.78
NPA & Loans 90+ / Tangible Common Equity + LLR 16.3521.3416.3711.4413.70
NCOs / Avg Loans 0.920.18(0.09)0.06(0.01)
Loan Loss Reserves / Gross Loans 1.311.201.171.031.04
Reserves / NPAs 65.2944.4454.4370.8658.03
Loan Loss Provision / NCO 86.1059.96NM17.08NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  56,23460,376NANANA
Tier 1 Capital ($000)  63,73467,876NANANA
Tier 2 Capital ($000)  NANANANANA
Total Capital ($000)  70,04874,370NANANA
Total Risk-weighted Assets ($000)  504,561522,352NANANA
Tier 1 Common Capital (CET1) Ratio (%)  11.1511.56NA12.9712.96
Tier 1 Ratio (%)  12.6312.99NA12.9712.96
Total Capital Ratio (%)  13.8814.24NA14.0113.98
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  9.069.30NA9.529.64
Basel III Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  1,651,5181,630,9131,576,0341,525,8431,520,879
Avg Diluted Shares (actual)  1,652,7001,651,0451,603,9071,539,9851,524,723
Basic Book Value per Share 34.3637.6941.3045.2547.95
As-reported Book Value per Share 34.3637.6941.3045.25NA
Basic Tangible Book Value per Share 34.3637.5241.1845.1847.87
Reported: Tangible Book Value 34.3637.5241.1645.1447.84
Common Dividends Declared per Share 0.780.800.840.900.48
EPS after Extra 2.873.904.835.482.71
EPS after Extra Growth (%)  (20.5)35.9023.8013.508.00
Core EPS 2.854.064.875.352.71
Core EPS Growth (%)  (19.5)42.6019.809.9014.20
Diluted EPS before Amortization 2.873.934.895.522.71
Pre-Provision Earnings per Share 4.084.044.445.102.67
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