PSB Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	65.78	61.82	53.63	39.83	37.66
Interest Income on Investments	10.51	9.73	7.91	6.36	4.43
Total Interest Income	76.29	71.55	61.54	46.19	42.09
Interest Paid on Deposits	24	23.85	16.99	4.44	1.91
Interest Paid on Borrowings	8.23	8.72	5.86	1.75	1.57
Total Interest Expense	32.24	32.57	22.85	6.19	3.49
Net Interest Income	44.05	38.98	38.69	40	38.6
Net Interest Income Growth (YoY)	13.00%	0.75%	-3.28%	3.63%	21.09%
Mortgage Banking Activities	1.44	1.59	1.11	1.19	2.99
Gain (Loss) on Sale of Investments	-0	-1.01	-0.58	-	0.13
Other Non-Interest Income	6.53	5.49	5.54	6.23	6.21
Total Non-Interest Income	7.97	6.07	6.07	7.42	9.34
Non-Interest Income Growth (YoY)	31.27%	0.02%	-18.16%	-20.58%	-18.74%
Revenues Before Loan Losses	52.02	45.05	44.76	47.42	47.94
Provision for Loan Losses	0.64	0.2	0.45	-	1
Revenue	51.38	44.86	44.31	47.42	46.94
Revenue Growth (YoY)	14.54%	1.23%	-6.55%	1.02%	24.19%
Salaries and Employee Benefits	20.74	19.68	18.59	17.79	15.94
Amortization of Goodwill & Intangibles	0.09	-	-	-	-
Selling, General & Administrative	8.26	8.7	8.02	7.8	8.58
Other Non-Interest Expense	5.6	4.49	3.98	3.93	5.76
Total Non-Interest Expense	34.6	32.87	30.55	29.52	30.11
EBT Excluding Unusual Items	16.78	11.99	13.76	17.9	16.83
Asset Writedown	-	-	0.12	0.03	0.08
Pretax Income	16.78	11.99	14.41	17.93	16.91
Income Tax Expense	2.83	1.7	4.85	4.29	4.09
Net Income	13.95	10.29	9.57	13.64	12.82
Preferred Dividends & Other Adjustments	0.49	0.49	0.49	0.08	-
Net Income to Common	13.46	9.8	9.08	13.56	12.82
Net Income Growth	35.55%	7.52%	-29.83%	6.40%	19.91%
Basic Shares Outstanding	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4
Shares Change (YoY)	-1.53%	-1.94%	-4.62%	-0.87%	-0.02%
EPS (Basic)	3.32	2.37	2.16	3.07	2.88
EPS (Diluted)	3.31	2.37	2.16	3.07	2.88
EPS Growth	39.66%	9.90%	-29.76%	6.62%	20.03%
Dividend Per Share	0.680	0.640	0.600	0.500	0.460
Dividend Growth	6.25%	6.67%	20.00%	8.70%	9.52%
Effective Tax Rate	16.86%	14.15%	33.61%	23.95%	24.20%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.