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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,685,0312,154,92124.602,541,86722.53
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve27,85723,68117.6326,47820.83
Net Loans Receivable2,657,1742,131,24024.682,515,38922.55
Intangible Assets1,0851,184(8.36)1,110(9.01)
Total Assets3,412,9292,683,35027.193,221,59823.76
Deposits2,950,6462,357,85925.142,763,72427.05
Debt, Senior and Subordinated125,35726,601371.25125,3550.01
Common Equity294,383273,5747.61298,065(4.94)
Total Shareholders' Equity294,383273,5747.61298,065(4.94)
Shares Outstanding (actual)14,505,11314,057,7553.1814,232,9077.65
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income28,44223,87919.1128,0645.39
Provision for Loan Losses1,50080087.501,900(84.21)
Noninterest Income2,090973114.801,153325.07
Noninterest Expense12,23311,03810.8311,22336.00
Net Income Before Taxes15,85413,20420.0716,227(9.19)
Provision for Taxes5,5735,3613.956,166(38.47)
Net Income10,2817,84331.0910,0618.75
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share20.3019.464.2920.94(12.35)
Tangible Book Value20.2219.384.3520.86(12.34)
Diluted EPS Before Extra0.710.5626.790.705.71
Diluted EPS After Extra0.710.5626.790.705.71
Dividends Declared0.18000.150020.000.18000.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.291.2181.281
ROAE13.8811.5922913.5039
Net Interest Margin3.673.79(12)3.670
Loans / Deposits91.0091.39(40)91.97(97)
Efficiency Ratio43.1644.08(92)38.24492
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.6010.16(156)9.22(62)
Equity/ Assets8.6310.20(157)9.25(63)
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.19NA0.37NA
Loan Loss Reserves/ Gross Loans1.041.10(6)1.040
Loan Loss Reserves/ NPAsNA462.43NA225.15NA
Net Charge-offs/ Avg Loans0.02(0.04)6(0.00)2
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio9.1610.74(158)9.83(67)
   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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