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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)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,435,6701,212,22818.431,368,17419.73
Loans Held for Sale, before Reserves5,63214,685(61.65)5,977(23.09)
Loan Loss Reserve17,89718,011(0.63)19,777(38.02)
Net Loans Receivable1,423,4051,208,90217.741,354,37420.39
Intangible Assets000.0000.00
Total Assets1,904,0181,657,31314.891,805,13821.91
Deposits1,649,8191,432,24315.191,562,05922.47
Debt, Senior and Subordinated20,00020,0000.0020,0000.00
Common Equity222,657194,44014.51214,54415.13
Total Shareholders' Equity222,657194,44014.51214,54415.13
Shares Outstanding (actual)13,441,48813,255,4361.4013,430,8700.32
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income17,06514,42318.3216,50313.62
Provision for Loan Losses1,100250340.001,250(48.00)
Noninterest Income9141,076(15.06)1,028(44.36)
Noninterest Expense6,6237,215(8.21)7,832(61.75)
Net Income Before Taxes10,2567,67333.668,44985.55
Provision for Taxes4,0473,40418.893,29691.14
Net Income6,2094,26945.445,15381.97
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share16.5614.6712.9315.9714.80
Tangible Book Value16.5614.6712.9315.9714.80
Diluted EPS Before Extra0.450.3240.620.3873.68
Diluted EPS After Extra0.450.3240.620.3873.68
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA1.391.09301.1722
ROAE11.618.9027110.10151
Net Interest Margin3.933.83103.876
Loans / Deposits87.0284.6423887.59(57)
Efficiency Ratio39.2647.67(841)44.68(542)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.6911.73(4)11.89(19)
Equity/ Assets11.6911.73(4)11.89(19)
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.072.39(132)1.13(6)
Loan Loss Reserves/ Gross Loans1.241.47(23)1.44(20)
Loan Loss Reserves/ NPAs86.1545.024,11395.06(891)
Net Charge-offs/ Avg Loans0.860.8340.2958
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio13.1813.51(33)13.65(47)
   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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