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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,154,9211,668,87629.122,056,38019.17
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve23,68123,3881.2522,65818.06
Net Loans Receivable2,131,2401,645,48829.522,033,72219.18
Intangible Assets1,1840NM1,207(7.62)
Total Assets2,683,3502,137,71325.522,598,84613.01
Deposits2,357,8591,856,95026.972,286,55912.47
Debt, Senior and Subordinated26,60120,00033.0126,635(0.51)
Common Equity273,574243,73912.24264,14514.28
Total Shareholders' Equity273,574243,73912.24264,14514.28
Shares Outstanding (actual)14,057,75513,715,8732.4913,884,9424.98
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income23,87919,36423.3222,31827.98
Provision for Loan Losses80050060.00300666.67
Noninterest Income97386812.109538.39
Noninterest Expense11,0388,61828.089,23278.25
Net Income Before Taxes13,20411,11418.8113,0813.76
Provision for Taxes5,3614,42421.185,518(11.38)
Net Income7,8436,69017.237,56314.81
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share19.4617.779.5119.029.19
Tangible Book Value19.3817.779.0418.949.29
Diluted EPS Before Extra0.560.4816.670.5414.81
Diluted EPS After Extra0.560.4816.670.5414.81
Dividends Declared0.15000.120025.000.15000.00
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA1.211.28(7)1.28(7)
ROAE11.5911.124711.4515
Net Interest Margin3.793.83(4)3.88(9)
Loans / Deposits91.3989.8715289.93146
Efficiency Ratio44.0842.6014842.50158
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.1611.40(125)10.123
Equity/ Assets10.2011.40(121)10.163
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.190.79(60)0.23(4)
Loan Loss Reserves/ Gross Loans1.101.40(30)1.100
Loan Loss Reserves/ NPAs462.43138.1732,426371.509,093
Net Charge-offs/ Avg Loans(0.04)0.02(6)0.36(40)
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.10NANANA
   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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