PSB Holdings Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	67.07	65.78	61.82	53.63	39.83	37.66
Interest Income on Investments	10.39	10.51	9.73	7.91	6.36	4.43
Total Interest Income	77.45	76.29	71.55	61.54	46.19	42.09
Interest Paid on Deposits	24.02	24	23.85	16.99	4.44	1.91
Interest Paid on Borrowings	7.76	8.23	8.72	5.86	1.75	1.57
Total Interest Expense	31.77	32.24	32.57	22.85	6.19	3.49
Net Interest Income	45.68	44.05	38.98	38.69	40	38.6
Net Interest Income Growth (YoY)	14.30%	13.00%	0.75%	-3.28%	3.63%	21.09%
Mortgage Banking Activities	1.59	1.44	1.59	1.11	1.19	2.99
Gain (Loss) on Sale of Investments	-0.5	-0	-1.01	-0.58	-	0.13
Other Non-Interest Income	6.84	6.53	5.49	5.54	6.23	6.21
Total Non-Interest Income	7.93	7.97	6.07	6.07	7.42	9.34
Non-Interest Income Growth (YoY)	15.10%	31.27%	0.02%	-18.16%	-20.58%	-18.74%
Revenues Before Loan Losses	53.61	52.02	45.05	44.76	47.42	47.94
Provision for Loan Losses	1	0.64	0.2	0.45	-	1
Revenue	52.62	51.38	44.86	44.31	47.42	46.94
Revenue Growth (YoY)	12.81%	14.54%	1.23%	-6.55%	1.02%	24.19%
Salaries and Employee Benefits	21.31	20.67	19.68	18.59	17.79	15.94
Selling, General & Administrative	9.25	9.26	8.7	8.02	7.8	8.58
Other Non-Interest Expense	4.99	4.76	4.49	3.98	3.93	5.76
Total Non-Interest Expense	35.43	34.6	32.87	30.55	29.52	30.11
EBT Excluding Unusual Items	17.18	16.78	11.99	13.76	17.9	16.83
Asset Writedown	-	-	-	0.12	0.03	0.08
Pretax Income	17.67	16.78	11.99	14.41	17.93	16.91
Income Tax Expense	2.85	2.83	1.7	4.85	4.29	4.09
Net Income	14.82	13.95	10.29	9.57	13.64	12.82
Preferred Dividends & Other Adjustments	0.49	0.49	0.49	0.49	0.08	-
Net Income to Common	14.34	13.46	9.8	9.08	13.56	12.82
Net Income Growth	33.25%	35.55%	7.52%	-29.83%	6.40%	19.91%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change (YoY)	-1.63%	-1.61%	-1.94%	-4.62%	-0.87%	-0.02%
EPS (Basic)	3.55	3.32	2.37	2.16	3.07	2.88
EPS (Diluted)	3.53	3.31	2.37	2.16	3.07	2.88
EPS Growth	36.81%	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	16.13%	16.86%	14.15%	33.61%	23.95%	24.20%

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