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 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves841,786714,45517.82831,7914.81
Loans Held for Sale, before Reserves6221,394(55.38)954(139.20)
Loan Loss Reserve11,8227,87150.2010,83536.44
Net Loans Receivable830,586707,97817.32821,9104.22
Intangible Assets1131130.001130.00
Total Assets1,132,223969,87916.741,131,9550.09
Deposits925,851765,28620.98932,137(2.70)
Debt, Senior and Subordinated90,814102,418(11.33)84,65629.10
Common Equity105,64093,15113.41104,4274.65
Total Shareholders' Equity105,64093,15113.41104,4274.65
Shares Outstanding (actual)4,454,9224,453,4720.034,452,2870.24
Income Statement ($000)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Net Interest Income9,5967,79123.178,43155.27
Provision for Loan Losses1,0001,800(44.44)675192.59
Noninterest Income2,7282,23222.222,842(16.05)
Noninterest Expense6,2006,330(2.05)6,336(8.59)
Net Income Before Taxes5,1452,016155.214,28680.17
Provision for Taxes1,249406207.641,03483.17
Net Income3,8961,610141.993,25279.21
Per Share Items ($)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Book Value per Share23.7120.9213.3723.454.41
Tangible Book Value23.6920.8913.3923.434.41
Diluted EPS Before Extra0.870.36141.670.7376.71
Diluted EPS After Extra0.870.36141.670.7376.71
Dividends Declared0.00000.00000.000.2100NM
Performance Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
ROAA1.390.67721.1821
ROAE14.926.8480812.59233
Net Interest Margin3.623.45173.2240
Loans / Deposits90.9293.36(244)89.23169
Efficiency Ratio49.6461.59(1,195)55.87(623)
Balance Sheet Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.329.59(27)9.2210
Equity/ Assets9.339.60(27)9.2310
Asset Quality Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.130.54590.9023
Loan Loss Reserves/ Gross Loans1.401.10301.3010
Loan Loss Reserves/ NPAs92.48151.45(5,897)106.56(1,408)
Net Charge-offs/ Avg Loans0.010.49(48)0.16(15)
Regulatory Capital Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-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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