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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)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,056,9041,602,04928.391,834,57348.48
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve22,65822,974(1.38)24,055(23.23)
Net Loans Receivable2,034,2461,579,07528.831,810,51849.43
Intangible Assets000.0000.00
Total Assets2,601,0442,054,15426.622,282,54655.81
Deposits2,289,1741,776,25928.881,987,63560.68
Debt, Senior and Subordinated26,63220,00033.1620,000132.64
Common Equity264,089235,02612.37257,18210.74
Total Shareholders' Equity264,089235,02612.37257,18210.74
Shares Outstanding (actual)13,884,94213,503,4582.8313,774,0683.22
Income Statement ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income22,31819,38315.1421,59713.35
Provision for Loan Losses300500(40.00)500(160.00)
Noninterest Income95475127.039405.96
Noninterest Expense9,2708,12114.158,32545.41
Net Income Before Taxes13,04411,51313.3013,297(7.61)
Provision for Taxes5,5184,64518.795,3969.04
Net Income7,5266,8689.587,901(18.98)
Per Share Items ($)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share19.0217.409.2818.677.46
Tangible Book Value19.0217.409.2818.677.46
Diluted EPS Before Extra0.540.508.000.57(21.05)
Diluted EPS After Extra0.540.508.000.57(21.05)
Dividends Declared0.15000.100050.000.1200100.00
Performance Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA1.281.37(9)1.42(14)
ROAE11.3911.57(18)12.35(96)
Net Interest Margin3.883.98(10)4.00(12)
Loans / Deposits89.8590.19(34)92.30(245)
Efficiency Ratio42.6640.3323338.78388
Balance Sheet Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.1511.44(129)11.27(111)
Equity/ Assets10.1511.44(129)11.27(111)
Asset Quality Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.84NA0.35NA
Loan Loss Reserves/ Gross Loans1.101.43(33)1.31(21)
Loan Loss Reserves/ NPAsNA132.61NA303.27NA
Net Charge-offs/ Avg Loans0.360.05310.0532
Regulatory Capital Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.72NANANA
   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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