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Financial Highlights

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PREFERRED BANK (NASDAQ - PFBC)  
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Loans Held for Investment, before Reserves2,541,8672,056,38023.611,602,04928.36
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve26,47822,65816.8622,974(1.38)
Net Loans Receivable2,515,3892,033,72223.681,579,07528.79
Intangible Assets1,1101,207(8.04)0NM
Total Assets3,221,5982,598,84623.962,054,15426.52
Deposits2,763,7242,286,55920.871,776,25928.73
Debt, Senior and Subordinated125,35526,635370.6420,00033.17
Common Equity298,065264,14512.84235,02612.39
Total Shareholders' Equity298,065264,14512.84235,02612.39
Shares Outstanding (actual)14,232,90713,884,9422.5113,503,4582.83
Income Statement ($000)
2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Net Interest Income104,17983,84624.2570,98718.11
Provision for Loan Losses6,4001,800255.563,350(46.27)
Noninterest Income5,1363,89231.963,6197.54
Noninterest Expense43,53834,63725.7030,41113.90
Net Income Before Taxes59,70050,22818.8640,84722.97
Provision for Taxes23,33120,48513.8916,25526.02
Net Income36,36929,74322.2824,59220.95
Per Share Items ($)
2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Book Value per Share20.9419.0210.0817.409.30
Tangible Book Value20.8618.9410.1817.408.80
Diluted EPS Before Extra2.562.1419.631.7820.22
Diluted EPS After Extra2.562.1419.631.7820.22
Dividends Declared0.63000.510023.530.2000155.00
Performance Ratios (%)
2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
ROAA1.271.35(8)1.314
ROAE12.7711.819611.0279
Net Interest Margin3.723.92(20)3.893
Loans / Deposits91.9789.9320490.19(26)
Efficiency Ratio39.7140.70(99)40.76(6)
Balance Sheet Ratios (%)
2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Tangible Equity/ Tangible Assets9.2210.12(90)11.44(132)
Equity/ Assets9.2510.16(91)11.44(128)
Asset Quality Ratios (%)
2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Nonperforming Assets/ Assets0.370.23140.85(62)
Loan Loss Reserves/ Gross Loans1.041.10(6)1.43(33)
Loan Loss Reserves/ NPAs225.15371.50(14,635)132.6123,889
Net Charge-offs/ Avg Loans0.110.12(1)(0.01)13
Regulatory Capital Ratios (%)
2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Tier 1 Capital Ratio9.8311.03(120)12.72(169)

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