Balance Sheet


PSB HOLDINGS, INC. (OTCQB - PSBQ)
  2009 Y 2010 Y 2011 Y 2012 Y
Period Ended 12/31/2009 12/31/2010 12/31/2011 12/31/2012
Assets ($000)   
Cash and Due from Banks 15,010 9,601 14,805 20,332
Fed Funds Sold 10,596 30,503 21,571 27,084
Deposits at Financial Institutions 731 2,711 4,313 5,896
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 26,337 42,815 40,689 53,312
Trading Account Securities 0 0 0 0
Available for Sale Securities 106,185 55,273 59,383 75,387
Held to Maturity Securities 0 53,106 49,294 69,822
Other Securities 3,250 3,482 3,250 2,506
Total Cash & Securities 135,772 154,676 152,616 201,027
   
Liabilities ($000)   
Total Deposits 458,731 465,257 481,509 565,442
FHLB Borrowings 58,159 57,434 50,124 50,124
Senior Debt 86,569 88,945 69,815 70,852
Trust Preferred (FAS 150) 7,732 7,732 7,732 7,732
Total Subordinated Debt 14,732 14,732 14,732 14,732
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 101,301 103,677 84,547 85,584
Memo: Consolidated VIE Liabilities NA NA 0 0
Total Other Liabilities 4,552 5,469 6,449 6,493
Total Liabilities 564,584 574,403 572,505 657,519
   
Mezzanine ($000)   
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
   
Equity ($000)   
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 42,270 46,690 50,362 54,447
Equity Attributable to Parent Company 42,270 46,690 50,362 54,447
Noncontrolling Interests 0 0 0 0
Total Equity 42,270 46,690 50,362 54,447
Net Unrealized Gain 1,776 2,543 2,285 1,820
   
Balance Sheet Analysis (%)   
Gross Loans HFI / Total Assets 73.37 70.80 71.52 68.18
Loans / Deposits 97.06 94.52 92.52 85.85
Loan Loss Reserves / Gross Loans 1.71 1.81 1.78 1.53
Reserves / Loans Held For Investment 1.71 1.81 1.78 1.53
One Year Gap / Assets (6.56) (3.51) 3.79 (3.21)
1-4 Loans Serviced for Others ($000) 237,764 260,503 261,811 269,554
Level 1 Assets ($000) 0 0 0 0
Level 2 Assets ($000) 104,576 55,222 60,487 78,068
Level 3 Assets ($000) 14,003 7,322 7,690 4,947
Level 1 Liabilities ($000) 0 0 0 0
Level 2 Liabilities ($000) 0 25 1,131 1,372
Level 3 Liabilities ($000) 93 0 0 0
FTE Employees (actual) 130 126 124 131
   
Annualized Growth Rates (%)   
Asset Growth 6.37 2.35 0.29 14.30
Gross Loans HFI Growth 3.51 (1.23) 1.30 8.96
Deposit Growth 7.23 1.42 3.49 17.43
   
Average Balances ($000)   
Avg Gross Loans HFI 435,162 442,953 443,411 461,725
Avg Loans HFS 102 340 298 512
Average Loans, Gross of Reserves 435,264 443,293 443,709 462,237
Avg Securities 106,456 111,008 115,586 136,389
Avg Other Int Earn Assets 5,754 13,666 12,679 17,445
Avg Secs & Other Int Earn Assets 112,210 124,674 128,265 153,834
Avg Interest Earning Assets 547,474 567,967 571,974 616,071
Avg Assets 580,746 604,157 606,494 659,353
   

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