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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 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,937,9942,541,86715.582,875,2238.73
Loans Held for Sale, before Reserves4400NM0NM
Loan Loss Reserve29,92126,47813.0028,75616.21
Net Loans Receivable2,908,5132,515,38915.632,846,4678.72
Intangible Assets1,0141,110(8.65)1,038(9.25)
Total Assets3,769,8593,221,59817.023,665,47211.39
Deposits3,262,6902,763,72418.053,194,4828.54
Debt, Senior and Subordinated105,364125,355(15.95)105,3630.00
Common Equity355,034298,06519.11317,02547.96
Total Shareholders' Equity355,034298,06519.11317,02547.96
Shares Outstanding (actual)15,122,31314,232,9076.2514,561,08815.42
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income34,56228,06423.1535,422(9.71)
Provision for Loan Losses1,5001,900(21.05)1,30061.54
Noninterest Income1,2111,1535.031,243(10.30)
Noninterest Expense11,77611,2234.9312,179(13.24)
Net Income Before Taxes22,50116,22738.6623,186(11.82)
Provision for Taxes14,7756,166139.629,516221.06
Net Income7,72610,061(23.21)13,670(173.93)
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share23.4820.9412.1121.7731.33
Tangible Book Value23.4120.8612.2121.7031.51
Diluted EPS Before Extra0.520.70(25.71)0.94(178.72)
Diluted EPS After Extra0.520.70(25.71)0.94(178.72)
Dividends Declared0.22000.180022.220.200040.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.831.28(45)1.48(65)
ROAE9.2013.50(430)17.35(815)
Net Interest Margin3.863.67193.95(9)
Loans / Deposits90.0591.97(192)90.014
Efficiency Ratio32.9238.24(532)33.22(30)
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.399.22178.6277
Equity/ Assets9.429.25178.6577
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.280.37(9)0.30(2)
Loan Loss Reserves/ Gross Loans1.021.04(2)1.002
Loan Loss Reserves/ NPAs282.33225.155,717260.572,176
Net Charge-offs/ Avg Loans0.05(0.00)50.06(1)
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio10.079.83249.2483
   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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