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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)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves2,937,9942,541,86715.582,056,38023.61
Loans Held for Sale, before Reserves4400NM00.00
Loan Loss Reserve29,92126,47813.0022,65816.86
Net Loans Receivable2,908,5132,515,38915.632,033,72223.68
Intangible Assets1,0141,110(8.65)1,207(8.04)
Total Assets3,769,8593,221,59817.022,598,84623.96
Deposits3,262,6902,763,72418.052,286,55920.87
Debt, Senior and Subordinated105,364125,355(15.95)26,635370.64
Common Equity355,034298,06519.11264,14512.84
Total Shareholders' Equity355,034298,06519.11264,14512.84
Shares Outstanding (actual)15,122,31314,232,9076.2513,884,9422.51
Income Statement ($000)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income129,704104,17924.5083,84624.25
Provision for Loan Losses5,5006,400(14.06)1,800255.56
Noninterest Income5,8205,13613.323,89231.96
Noninterest Expense48,60343,53811.6334,63725.70
Net Income Before Taxes80,48059,70034.8150,22818.86
Provision for Taxes37,08623,33158.9620,48513.89
Net Income43,39436,36919.3229,74322.28
Per Share Items ($)
2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share23.4820.9412.1119.0210.08
Tangible Book Value23.4120.8612.2118.9410.18
Diluted EPS Before Extra2.962.5615.622.1419.63
Diluted EPS After Extra2.962.5615.622.1419.63
Dividends Declared0.80000.630026.980.510023.53
Performance Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA1.241.26(2)1.35(9)
ROAE13.7912.7710211.8196
Net Interest Margin3.803.7463.92(18)
Loans / Deposits90.0591.97(192)89.93204
Efficiency Ratio36.5639.71(315)40.70(99)
Balance Sheet Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets9.399.221710.12(90)
Equity/ Assets9.429.251710.16(91)
Asset Quality Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.280.37(9)0.2314
Loan Loss Reserves/ Gross Loans1.021.04(2)1.10(6)
Loan Loss Reserves/ NPAs282.33225.155,717371.50(14,635)
Net Charge-offs/ Avg Loans0.080.12(4)0.12(1)
Regulatory Capital Ratios (%)
2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio10.079.832411.03(120)

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