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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 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,368,1741,154,94518.461,320,86914.33
Loans Held for Sale, before Reserves5,97715,670(61.86)6,207(14.82)
Loan Loss Reserve19,77720,234(2.26)19,4945.81
Net Loans Receivable1,354,3741,150,38117.731,307,58214.31
Intangible Assets000.0000.00
Total Assets1,805,1381,587,76913.691,768,9598.18
Deposits1,562,0591,383,99912.871,529,3148.56
Debt, Senior and Subordinated20,0000NM20,0000.00
Common Equity214,544192,30911.56206,91614.75
Total Shareholders' Equity214,544192,30911.56206,91614.75
Shares Outstanding (actual)13,430,73613,247,3011.3813,280,6534.52
Income Statement ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income16,50314,65912.5816,4022.46
Provision for Loan Losses1,2500NM1,800(122.22)
Noninterest Income1,02885819.811,317(87.78)
Noninterest Expense7,8328,837(11.37)5,412178.86
Net Income Before Taxes8,4496,67626.569,403(40.58)
Provision for Taxes3,2962,64624.573,535(27.04)
Net Income5,1534,03027.875,868(48.74)
Per Share Items ($)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share15.9714.5210.0415.5810.11
Tangible Book Value15.9714.5210.0415.5810.11
Diluted EPS Before Extra0.380.3026.670.43(46.51)
Diluted EPS After Extra0.380.3026.670.43(46.51)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA1.171.05121.33(16)
ROAE9.788.4513310.79(101)
Net Interest Margin3.874.01(14)3.852
Loans / Deposits87.5983.4541486.37122
Efficiency Ratio44.6856.98(1,230)32.571,211
Balance Sheet Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.8912.11(23)11.7019
Equity/ Assets11.8912.11(23)11.7019
Asset Quality Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA3.02NA1.13NA
Loan Loss Reserves/ Gross Loans1.441.73(29)1.47(3)
Loan Loss Reserves/ NPAsNA42.25NA97.23NA
Net Charge-offs/ Avg Loans0.290.13160.208
Regulatory Capital Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6513.61413.78(13)
   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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