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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 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,668,8761,368,17421.981,602,04916.69
Loans Held for Sale, before Reserves05,977NM00.00
Loan Loss Reserve23,38819,77718.2622,9747.21
Net Loans Receivable1,645,4881,354,37421.491,579,07516.82
Intangible Assets000.0000.00
Total Assets2,137,7131,805,13818.422,054,15416.27
Deposits1,856,9501,562,05918.881,776,25918.17
Debt, Senior and Subordinated20,00020,0000.0020,0000.00
Common Equity243,739214,54413.61235,02614.83
Total Shareholders' Equity243,739214,54413.61235,02614.83
Shares Outstanding (actual)13,715,87313,430,8702.1213,503,4586.29
Income Statement ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income19,36416,50317.3419,383(0.39)
Provision for Loan Losses5001,250(60.00)5000.00
Noninterest Income8681,028(15.56)75162.32
Noninterest Expense8,6187,83210.048,12124.48
Net Income Before Taxes11,1148,44931.5411,513(13.86)
Provision for Taxes4,4243,29634.224,645(19.03)
Net Income6,6905,15329.836,868(10.37)
Per Share Items ($)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share17.7715.9711.2517.408.40
Tangible Book Value17.7715.9711.2517.408.40
Diluted EPS Before Extra0.480.3826.320.50(16.00)
Diluted EPS After Extra0.480.3826.320.50(16.00)
Dividends Declared0.12000.0000NM0.100080.00
Performance Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA1.281.17111.37(9)
ROAE11.5410.1014411.92(38)
Net Interest Margin3.833.87(4)3.98(15)
Loans / Deposits89.8787.5922890.19(32)
Efficiency Ratio42.6044.68(208)40.33227
Balance Sheet Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4011.89(48)11.44(4)
Equity/ Assets11.4011.89(48)11.44(4)
Asset Quality Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.791.13(34)0.85(6)
Loan Loss Reserves/ Gross Loans1.401.44(4)1.43(3)
Loan Loss Reserves/ NPAs138.1795.064,311132.61556
Net Charge-offs/ Avg Loans0.020.29(26)0.05(3)
Regulatory Capital Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.1013.65(155)12.72(62)
   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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