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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,522,3841,276,53519.261,435,67024.16
Loans Held for Sale, before Reserves011,329NM5,632NM
Loan Loss Reserve22,66218,34423.5417,897106.50
Net Loans Receivable1,499,7221,269,52018.131,423,40521.45
Intangible Assets000.0000.00
Total Assets1,996,1501,701,16917.341,904,01819.36
Deposits1,721,0541,470,13717.071,649,81917.27
Debt, Senior and Subordinated20,00020,0000.0020,0000.00
Common Equity228,652200,28914.16222,65710.77
Total Shareholders' Equity228,652200,28914.16222,65710.77
Shares Outstanding (actual)13,474,76613,262,7041.6013,441,4880.99
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income18,03616,5139.2217,06522.76
Provision for Loan Losses5001,200(58.33)1,100(218.18)
Noninterest Income92671030.429145.25
Noninterest Expense7,8367,6013.096,62373.26
Net Income Before Taxes10,6287,92534.1110,25614.51
Provision for Taxes4,2662,89347.464,04721.65
Net Income6,3625,03226.436,2099.86
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share16.9715.1012.3616.569.76
Tangible Book Value16.9715.1012.3616.569.76
Diluted EPS Before Extra0.460.3724.320.458.89
Diluted EPS After Extra0.460.3724.320.458.89
Dividends Declared0.10000.0000NM0.0000NM
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA1.291.2091.39(10)
ROAE11.3410.2710711.61(27)
Net Interest Margin3.784.10(32)3.93(15)
Loans / Deposits88.4686.8316387.02144
Efficiency Ratio41.3245.87(455)36.84448
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4511.77(32)11.69(24)
Equity/ Assets11.4511.77(32)11.69(24)
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.541.74(120)1.07(53)
Loan Loss Reserves/ Gross Loans1.491.4261.2425
Loan Loss Reserves/ NPAs202.9061.0114,18986.1511,675
Net Charge-offs/ Avg Loans(1.17)0.28(144)0.86(203)
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.7513.34(59)13.18(43)
   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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