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Financial Highlights

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PREFERRED BANK (NASDAQ - PFBC)  
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,602,0491,320,86921.291,522,38420.93
Loans Held for Sale, before Reserves06,207NM00.00
Loan Loss Reserve22,97419,49417.8522,6625.51
Net Loans Receivable1,579,0751,307,58220.761,499,72221.16
Intangible Assets000.0000.00
Total Assets2,054,1541,768,95916.121,996,15011.62
Deposits1,776,2591,529,31416.151,721,05412.83
Debt, Senior and Subordinated20,00020,0000.0020,0000.00
Common Equity235,026206,91613.59228,65211.15
Total Shareholders' Equity235,026206,91613.59228,65211.15
Shares Outstanding (actual)13,503,45813,280,6531.6813,474,7660.85
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income19,38316,40218.1718,03629.87
Provision for Loan Losses5001,800(72.22)5000.00
Noninterest Income7511,317(42.98)926(75.59)
Noninterest Expense8,1215,22455.467,83614.55
Net Income Before Taxes11,5139,59120.0410,62833.31
Provision for Taxes4,6453,72324.764,26635.54
Net Income6,8685,86817.046,36231.81
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share17.4015.5811.7116.9710.28
Tangible Book Value17.4015.5811.7116.9710.28
Diluted EPS Before Extra0.500.4316.280.4634.78
Diluted EPS After Extra0.500.4316.280.4634.78
Dividends Declared0.10000.0000NM0.10000.00
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA1.371.3341.298
ROAE11.9211.623011.3458
Net Interest Margin3.983.85133.7820
Loans / Deposits90.1986.3738288.46174
Efficiency Ratio40.3331.4488941.32(99)
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4411.70(26)11.45(1)
Equity/ Assets11.4411.70(26)11.45(1)
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.851.11(26)0.5431
Loan Loss Reserves/ Gross Loans1.431.47(3)1.49(5)
Loan Loss Reserves/ NPAs132.6197.233,538202.90(7,029)
Net Charge-offs/ Avg Loans0.050.20(15)(1.17)121
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.7213.78(106)12.75(3)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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