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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)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,320,8691,117,53418.191,276,53513.89
Loans Held for Sale, before Reserves6,20712,150(48.91)11,329(180.85)
Loan Loss Reserve19,49420,607(5.40)18,34425.08
Net Loans Receivable1,307,5821,109,07717.901,269,52011.99
Intangible Assets000.0000.00
Total Assets1,768,9591,554,85613.771,701,16915.94
Deposits1,529,3141,357,52712.651,470,13716.10
Debt, Senior and Subordinated20,0000NM20,0000.00
Common Equity206,916187,83810.16200,28913.23
Total Shareholders' Equity206,916187,83810.16200,28913.23
Shares Outstanding (actual)13,280,65313,234,6080.3513,262,7040.54
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income16,40214,20415.4716,513(2.69)
Provision for Loan Losses1,8002,300(21.74)1,200200.00
Noninterest Income1,31772781.16710341.97
Noninterest Expense5,4128,153(33.62)7,789(122.07)
Net Income Before Taxes9,4034,499109.007,73786.13
Provision for Taxes3,535(416)NM2,705122.74
Net Income5,8684,91519.395,03266.45
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share15.5814.199.7715.1012.68
Tangible Book Value15.5814.199.7715.1012.68
Diluted EPS Before Extra0.430.3716.220.3764.86
Diluted EPS After Extra0.430.3716.220.3764.86
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA1.331.2941.2013
ROAE10.7110.007110.1160
Net Interest Margin3.853.91(6)4.10(25)
Loans / Deposits86.3782.3240586.83(46)
Efficiency Ratio32.5754.53(2,196)46.58(1,401)
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.7012.08(38)11.77(8)
Equity/ Assets11.7012.08(38)11.77(8)
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.113.50(239)1.74(63)
Loan Loss Reserves/ Gross Loans1.471.82(36)1.424
Loan Loss Reserves/ NPAs97.2337.365,98761.013,622
Net Charge-offs/ Avg Loans0.201.21(101)0.28(8)
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.7813.73513.3444
   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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