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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)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,786,7692,268,54822.842,685,03115.16
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve27,86323,98316.1827,8570.09
Net Loans Receivable2,758,9062,244,56522.912,657,17415.31
Intangible Assets1,0621,160(8.45)1,086(8.84)
Total Assets3,579,3952,915,64122.773,412,92919.51
Deposits3,121,2742,515,86524.062,950,64623.13
Debt, Senior and Subordinated105,36088,04819.66125,357(63.81)
Common Equity305,225282,3538.10294,38314.73
Total Shareholders' Equity305,225282,3538.10294,38314.73
Shares Outstanding (actual)14,540,58814,116,4743.0014,505,1130.98
Income Statement ($000)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income31,27825,74121.5128,44239.88
Provision for Loan Losses1,2002,300(47.83)1,500(80.00)
Noninterest Income1,2751,660(23.19)2,090(155.98)
Noninterest Expense12,41410,79115.0412,2335.92
Net Income Before Taxes18,93914,31032.3515,85477.84
Provision for Taxes7,2225,72426.175,573118.36
Net Income11,7178,58636.4710,28155.87
Per Share Items ($)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share20.9920.004.9520.3013.72
Tangible Book Value20.9219.925.0120.2213.81
Diluted EPS Before Extra0.800.6131.150.7150.70
Diluted EPS After Extra0.800.6131.150.7150.70
Dividends Declared0.20000.150033.330.180044.44
Performance Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.361.26101.297
ROAE15.6312.2533913.90174
Net Interest Margin3.753.87(12)3.678
Loans / Deposits89.2890.17(89)91.00(172)
Efficiency Ratio38.1339.39(126)43.16(503)
Balance Sheet Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.509.65(115)8.60(10)
Equity/ Assets8.539.68(116)8.63(10)
Asset Quality Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.25NA0.35NA
Loan Loss Reserves/ Gross Loans1.001.06(6)1.04(4)
Loan Loss Reserves/ NPAsNA322.70NA233.84NA
Net Charge-offs/ Avg Loans0.180.36(18)0.0216
Regulatory Capital Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio9.1310.40(127)9.15(2)
   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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