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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)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,875,2232,430,75418.292,786,76912.70
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve28,75624,55617.1027,86312.82
Net Loans Receivable2,846,4672,406,19818.302,758,90612.70
Intangible Assets1,0381,135(8.55)1,062(9.04)
Total Assets3,665,4723,110,42417.843,579,3959.62
Deposits3,194,4822,659,99620.093,121,2749.38
Debt, Senior and Subordinated105,363125,395(15.98)105,3600.01
Common Equity317,025291,2588.85305,22515.46
Total Shareholders' Equity317,025291,2588.85305,22515.46
Shares Outstanding (actual)14,561,08814,135,9073.0114,540,5880.56
Income Statement ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income35,42226,49533.6931,27853.00
Provision for Loan Losses1,3001,400(7.14)1,20033.33
Noninterest Income1,2431,350(7.93)1,275(10.04)
Noninterest Expense12,17910,48616.1512,414(7.57)
Net Income Before Taxes23,18615,95945.2818,93989.70
Provision for Taxes9,5166,08056.517,222127.06
Net Income13,6709,87938.3711,71766.67
Per Share Items ($)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share21.7720.605.6720.9914.88
Tangible Book Value21.7020.525.7320.9214.96
Diluted EPS Before Extra0.940.6936.230.8070.00
Diluted EPS After Extra0.940.6936.230.8070.00
Dividends Declared0.20000.150033.330.20000.00
Performance Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.481.31171.3612
ROAE17.2113.5736415.50171
Net Interest Margin3.953.59363.7520
Loans / Deposits90.0191.38(138)89.2872
Efficiency Ratio33.2237.66(444)38.13(491)
Balance Sheet Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.629.33(71)8.5012
Equity/ Assets8.659.36(71)8.5312
Asset Quality Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.300.19110.300
Loan Loss Reserves/ Gross Loans1.001.01(1)1.000
Loan Loss Reserves/ NPAs260.57423.89(16,333)261.72(116)
Net Charge-offs/ Avg Loans0.060.14(8)0.18(12)
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.249.96(72)9.1311
   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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