SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
_________________________
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934
_________________________
Date of Report (date of earliest event reported): JANUARY 29, 2004
PSB HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
WISCONSIN 0-26480 39-1804877
(State or other (Commission File (IRS Employer
jurisdiction of Number) Identification
incorporation) Number)
1905 W. STEWART AVENUE
WAUSAU, WI 54401
(Address of principal executive offices, including Zip Code)
(715) 842-2191
Registrant's telephone number, including area code
INFORMATION TO BE INCLUDED IN THE REPORT
ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE
On January 29, 2004, PSB Holdings, Inc. reported net income of
$1,290,000, or $.74 per share, for the fourth quarter ended December 31, 2003,
as compared to net earnings of $1,332,000, or $.76 per share, for the fourth
quarter ended December 31, 2002. The Company also reported net income of
$4,806,000 or $2.76 per share ($2.74 fully diluted), for the year ended
December 31, 2003, compared to net income of $4,365,000, or $2.48 per share,
for the 2002 fiscal year. All per share amounts have been adjusted to reflect
a 5% stock dividend payable January 29, 2004, to shareholders of record on
January 6, 2004.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
(C) EXHIBITS
99.1 Press release dated January 29, 2004
ITEM 9. REGULATION FD DISCLOSURE
On January 29, 2004, PSB Holdings, Inc. issued a press release announcing
its earnings for the fourth quarter and fiscal year ended December 31, 2003, a
copy of which is attached hereto as Exhibit 99.1 and incorporated in this Item
9 by reference.
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On January 29, 2004, PSB Holdings, Inc. issued a press release announcing
its earnings for the fourth quarter and fiscal year ended December 31, 2003, a
copy of which is attached hereto as Exhibit 99.1 and incorporated in this Item
12 by reference.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
PSB HOLDINGS, INC.
Date: January 29, 2004 By: SCOTT M. CATTANACH
Scott M. Cattanach
Treasurer
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EXHIBIT INDEX
TO
FORM 8-K
OF
PSB HOLDINGS, INC.
DATED JANUARY 29, 2004
Pursuant to Section 102(d) of Regulation S-T
(17 C.F.R. Section 232.102(d))
99.1 PRESS RELEASE DATED JANUARY 29, 2004
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