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)
 2021 Q22020 Q2Y-Y
Ch (%)
2021 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves875,080814,4177.45841,78615.82
Loans Held for Sale, before Reserves1,7563,755(53.24)622729.26
Loan Loss Reserve11,8269,17428.9111,8220.14
Net Loans Receivable865,010808,9986.92830,58616.58
Intangible Assets3,1701202,541.6711310,821.24
Total Assets1,254,6381,093,34614.751,132,22343.25
Deposits1,031,626882,22116.94925,85145.70
Debt, Senior and Subordinated103,923101,1732.7290,81457.74
Common Equity107,98697,95410.24105,6408.88
Total Shareholders' Equity107,98697,95410.24105,6408.88
Shares Outstanding (actual)4,454,9224,452,2870.064,454,9220.00
Income Statement ($000)
 2021 Q22020 Q2Y-Y
Ch (%)
2021 Q1Q-Q
Ch (%)
Net Interest Income10,1637,76330.929,59623.63
Provision for Loan Losses01,800NM1,000NM
Noninterest Income2,1862,944(25.75)2,728(79.47)
Noninterest Expense6,9074,87941.576,20045.61
Net Income Before Taxes2,8554,222(32.38)5,145(178.04)
Provision for Taxes7181,032(30.43)1,249(170.06)
Net Income2,1373,190(33.01)3,896(180.60)
Per Share Items ($)
 2021 Q22020 Q2Y-Y
Ch (%)
2021 Q1Q-Q
Ch (%)
Book Value per Share24.2422.0010.1823.718.88
Tangible Book Value23.5321.977.0723.69(2.70)
Diluted EPS Before Extra0.480.72(33.33)0.87(179.31)
Diluted EPS After Extra0.480.72(33.33)0.87(179.31)
Dividends Declared0.23000.21009.520.0000NM
Performance Ratios (%)
 2021 Q22020 Q2Y-Y
Ch (bp)
2021 Q1Q-Q
Ch (bp)
ROAA0.681.20(52)1.39(71)
ROAE8.0913.38(529)14.92(683)
Net Interest Margin3.483.09393.62(14)
Loans / Deposits84.8392.31(749)90.92(609)
Efficiency Ratio76.2044.233,19749.642,656
Balance Sheet Ratios (%)
 2021 Q22020 Q2Y-Y
Ch (bp)
2021 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.388.95(57)9.32(95)
Equity/ Assets8.618.96(35)9.33(72)
Asset Quality Ratios (%)
 2021 Q22020 Q2Y-Y
Ch (bp)
2021 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.070.49581.13(6)
Loan Loss Reserves/ Gross Loans1.351.12231.40(5)
Loan Loss Reserves/ NPAs87.87170.43(8,256)92.48(462)
Net Charge-offs/ Avg Loans(0.00)0.25(25)0.01(1)
Regulatory Capital Ratios (%)
 2021 Q22020 Q2Y-Y
Ch (bp)
2021 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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