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	Sep '26 Sep 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	68.7	65.78	61.82	53.63	39.83	37.66
Interest Income on Investments	9.99	10.51	9.73	7.91	6.36	4.43
Total Interest Income	78.69	76.29	71.55	61.54	46.19	42.09
Interest Paid on Deposits	23.45	24	23.85	16.99	4.44	1.91
Interest Paid on Borrowings	7	8.23	8.72	5.86	1.75	1.57
Total Interest Expense	30.44	32.24	32.57	22.85	6.19	3.49
Net Interest Income	48.25	44.05	38.98	38.69	40	38.6
Net Interest Income Growth	13.00%	13.00%	0.75%	-3.28%	3.63%	21.09%
Mortgage Banking Activities	1.6	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	6.96	6.53	5.49	5.54	6.23	6.21
Total Non-Interest Income	8.06	7.97	6.07	6.07	7.42	9.34
Non-Interest Income Growth	12.45%	31.27%	0.02%	-18.16%	-20.58%	-18.74%
Revenues Before Loan Losses	56.3	52.02	45.05	44.76	47.42	47.94
Provision for Loan Losses	1.8	0.64	0.2	0.45	-	1
Revenue	54.5	51.38	44.86	44.31	47.42	46.94
Revenue Growth	10.11%	14.54%	1.23%	-6.55%	1.02%	24.19%
Salaries and Employee Benefits	21.71	20.67	19.68	18.59	17.79	15.94
Selling, General & Administrative	9.14	9.26	8.7	8.02	7.8	8.58
Other Non-Interest Expense	4.96	4.76	4.49	3.98	3.93	5.76
Total Non-Interest Expense	35.74	34.6	32.87	30.55	29.52	30.11
EBT Excluding Unusual Items	18.76	16.78	11.99	13.76	17.9	16.83
Asset Writedown	-	-	-	0.12	0.03	0.08
Pretax Income	17.9	16.78	11.99	14.41	17.93	16.91
Income Tax Expense	3.1	2.83	1.7	4.85	4.29	4.09
Net Income	14.8	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	14.31	13.46	9.8	9.08	13.56	12.82
Net Income Growth	13.82%	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	-0.62%	-1.61%	-1.94%	-4.62%	-0.87%	-0.02%
EPS (Basic)	3.56	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	14.57%	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	Sep '26 Sep 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	0.880	0.680	0.640	0.600	0.500	0.460
Dividend Growth	33.33%	6.25%	6.67%	20.00%	8.70%	9.52%
Effective Tax Rate	17.34%	16.86%	14.15%	33.61%	23.95%	24.20%