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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 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,430,7541,834,57332.502,268,54828.60
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve24,55624,0552.0823,9839.56
Net Loans Receivable2,406,1981,810,51832.902,244,56528.80
Intangible Assets1,1350NM1,160(8.62)
Total Assets3,110,4242,282,54636.272,915,64126.72
Deposits2,659,9961,987,63533.832,515,86522.92
Debt, Senior and Subordinated125,39520,000526.9888,048169.67
Common Equity291,258257,18213.25282,35312.62
Total Shareholders' Equity291,258257,18213.25282,35312.62
Shares Outstanding (actual)14,135,90713,774,0682.6314,116,4740.55
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income26,49521,59722.6825,74111.72
Provision for Loan Losses1,400500180.002,300(156.52)
Noninterest Income1,35094043.621,660(74.70)
Noninterest Expense10,4868,32525.9610,791(11.31)
Net Income Before Taxes15,95913,29720.0214,31046.09
Provision for Taxes6,0805,39612.685,72424.88
Net Income9,8797,90125.038,58660.24
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share20.6018.6710.3520.0012.05
Tangible Book Value20.5218.679.9219.9212.14
Diluted EPS Before Extra0.690.5721.050.6152.46
Diluted EPS After Extra0.690.5721.050.6152.46
Dividends Declared0.15000.120025.000.15000.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.311.42(11)1.265
ROAE13.5712.2513212.31126
Net Interest Margin3.594.00(41)3.87(28)
Loans / Deposits91.3892.30(92)90.17121
Efficiency Ratio37.6638.78(112)39.39(173)
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.3311.27(194)9.65(32)
Equity/ Assets9.3611.27(190)9.68(32)
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.190.35(16)0.25(6)
Loan Loss Reserves/ Gross Loans1.011.31(30)1.06(5)
Loan Loss Reserves/ NPAs423.89303.2712,063322.7010,119
Net Charge-offs/ Avg Loans0.140.0590.36(21)
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.9611.80(184)10.40(44)
   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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