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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)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves3,331,0542,937,99413.382,541,86715.58
Loans Held for Sale, before Reserves0440NM0NM
Loan Loss Reserve31,06529,9213.8226,47813.00
Net Loans Receivable3,299,9892,908,51313.462,515,38915.63
Intangible Assets9191,014(9.37)1,110(8.65)
Total Assets4,215,5023,769,85911.823,221,59817.02
Deposits3,639,6853,262,69011.552,763,72418.05
Debt, Senior and Subordinated100,394105,364(4.72)125,355(15.95)
Common Equity414,413355,03416.72298,06519.11
Total Shareholders' Equity414,413355,03416.72298,06519.11
Shares Outstanding (actual)15,308,68815,122,3131.2314,232,9076.25
Income Statement ($000)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income154,229129,70418.91104,17924.50
Provision for Loan Losses10,1305,50084.186,400(14.06)
Noninterest Income7,3635,82026.515,13613.32
Noninterest Expense51,77748,6036.5343,53811.63
Net Income Before Taxes98,69880,48022.6459,70034.81
Provision for Taxes27,70537,086(25.30)23,33158.96
Net Income70,99343,39463.6036,36919.32
Per Share Items ($)
2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share27.0723.4815.3020.9412.11
Tangible Book Value27.0123.4115.3820.8612.21
Diluted EPS Before Extra4.642.9656.762.5615.62
Diluted EPS After Extra4.642.9656.762.5615.62
Dividends Declared1.02000.800027.500.630026.98
Performance Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA1.841.24601.26(2)
ROAE18.2813.7944912.77101
Net Interest Margin4.083.80283.746
Loans / Deposits91.5290.0514791.97(192)
Efficiency Ratio33.4936.56(307)39.71(315)
Balance Sheet Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets9.819.39429.2217
Equity/ Assets9.839.42419.2517
Asset Quality Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ AssetsNA0.28NA0.37(8)
Loan Loss Reserves/ Gross Loans0.931.02(9)1.04(2)
Loan Loss Reserves/ NPAsNA282.33NA225.155,717
Net Charge-offs/ Avg Loans0.290.08210.12(4)
Regulatory Capital Ratios (%)
2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital Ratio10.3810.07319.8324

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