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	Jun '26 Jun 30, 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	67.93	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	78.31	76.29	71.55	61.54	46.19	42.09
Interest Paid on Deposits	23.92	24	23.85	16.99	4.44	1.91
Interest Paid on Borrowings	7.3	8.23	8.72	5.86	1.75	1.57
Total Interest Expense	31.21	32.24	32.57	22.85	6.19	3.49
Net Interest Income	47.1	44.05	38.98	38.69	40	38.6
Net Interest Income Growth	14.19%	13.00%	0.75%	-3.28%	3.63%	21.09%
Mortgage Banking Activities	1.61	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	6.85	6.53	5.49	5.54	6.23	6.21
Total Non-Interest Income	7.95	7.97	6.07	6.07	7.42	9.34
Non-Interest Income Growth	5.37%	31.27%	0.02%	-18.16%	-20.58%	-18.74%
Revenues Before Loan Losses	55.05	52.02	45.05	44.76	47.42	47.94
Provision for Loan Losses	1.21	0.64	0.2	0.45	-	1
Revenue	53.84	51.38	44.86	44.31	47.42	46.94
Revenue Growth	10.85%	14.54%	1.23%	-6.55%	1.02%	24.19%
Salaries and Employee Benefits	22.09	20.67	19.68	18.59	17.79	15.94
Selling, General & Administrative	9.2	9.26	8.7	8.02	7.8	8.58
Other Non-Interest Expense	4.92	4.76	4.49	3.98	3.93	5.76
Total Non-Interest Expense	36.15	34.6	32.87	30.55	29.52	30.11
EBT Excluding Unusual Items	17.69	16.78	11.99	13.76	17.9	16.83
Asset Writedown	-	-	-	0.12	0.03	0.08
Pretax Income	17.39	16.78	11.99	14.41	17.93	16.91
Income Tax Expense	2.93	2.83	1.7	4.85	4.29	4.09
Net Income	14.46	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	13.97	13.46	9.8	9.08	13.56	12.82
Net Income Growth	16.83%	37.31%	7.93%	-33.00%	5.77%	19.91%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	-1.45%	-1.61%	-1.94%	-4.62%	-0.87%	-0.02%
EPS (Basic)	3.47	3.32	2.37	2.16	3.07	2.88
EPS (Diluted)	3.45	3.31	2.37	2.16	3.07	2.88
EPS Growth	18.59%	39.66%	9.90%	-29.76%	6.62%	20.03%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.680	0.680	0.640	0.600	0.500	0.460
Dividend Growth	3.03%	6.25%	6.67%	20.00%	8.70%	9.52%
Effective Tax Rate	16.86%	16.86%	14.15%	33.61%	23.95%	24.20%