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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)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,268,5481,747,55229.812,154,92121.09
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve23,98323,7580.9523,6815.10
Net Loans Receivable2,244,5651,723,79430.212,131,24021.27
Intangible AssetsNA0NA1,184NA
Total Assets2,915,6412,170,15634.352,683,35034.63
Deposits2,515,8651,882,19833.672,357,85926.80
Debt, Senior and Subordinated88,04820,000340.2426,601923.98
Common Equity282,352249,86513.00273,57412.83
Total Shareholders' Equity282,352249,86513.00273,57412.83
Shares Outstanding (actual)14,116,47413,759,9392.5914,057,7551.67
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income25,74120,56725.1623,87931.19
Provision for Loan Losses2,300500360.00800750.00
Noninterest Income1,6601,13146.77973282.43
Noninterest Expense10,7918,46227.5211,038(8.95)
Net Income Before Taxes14,31012,73612.3613,20433.50
Provision for Taxes5,7245,14711.215,36127.08
Net Income8,5867,58913.147,84337.89
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share20.0018.1610.1519.4611.12
Tangible Book ValueNA18.16NA19.38NA
Diluted EPS Before Extra0.610.5510.910.5635.71
Diluted EPS After Extra0.610.5510.910.5635.71
Dividends Declared0.15000.120025.000.15000.00
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.261.44(18)1.215
ROAE12.3612.201611.5976
Net Interest Margin3.874.01(14)3.798
Loans / Deposits90.1792.85(268)91.39(122)
Efficiency Ratio39.3841.20(182)44.08(470)
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA11.51NA10.16NA
Equity/ Assets9.6811.51(183)10.20(51)
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.37NA0.19NA
Loan Loss Reserves/ Gross Loans1.061.36(30)1.10(4)
Loan Loss Reserves/ NPAsNA299.07NA462.43NA
Net Charge-offs/ Avg Loans0.360.0332(0.04)40
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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