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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)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,136,1552,786,76912.543,094,2085.42
Loans Held for Sale, before Reserves47,3370NM0NM
Loan Loss Reserve29,77227,8636.8528,57016.83
Net Loans Receivable3,153,7202,758,90614.313,065,63811.49
Intangible Assets9661,062(9.04)990(9.70)
Total Assets3,958,8043,579,39510.603,781,92418.71
Deposits3,410,2353,121,2749.263,261,67718.22
Debt, Senior and Subordinated105,369105,3600.01105,3670.01
Common Equity385,226305,22526.21371,02815.31
Total Shareholders' Equity385,226305,22526.21371,02815.31
Shares Outstanding (actual)15,325,31914,540,5885.4015,318,1190.19
Income Statement ($000)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income37,40631,27819.5936,14413.97
Provision for Loan Losses1,2001,2000.001,500(80.00)
Noninterest Income1,6441,27528.941,6235.18
Noninterest Expense13,32512,1649.5413,2233.09
Net Income Before Taxes24,15718,93927.5522,47829.88
Provision for Taxes6,7527,222(6.51)5,86760.34
Net Income17,40511,71748.5416,61119.12
Per Share Items ($)
2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share25.1420.9919.7524.2215.11
Tangible Book Value25.0720.9219.8624.1615.18
Diluted EPS Before Extra1.140.8042.501.0918.35
Diluted EPS After Extra1.140.8042.501.0918.35
Dividends Declared0.25000.200025.000.220054.55
Performance Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.831.36471.85(2)
ROAE18.2815.5027818.32(4)
Net Interest Margin4.073.75324.14(7)
Loans / Deposits91.9689.2826894.87(290)
Efficiency Ratio35.2538.13(288)36.41(116)
Balance Sheet Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.718.501219.79(8)
Equity/ Assets9.738.531209.81(8)
Asset Quality Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.380.301080.20118
Loan Loss Reserves/ Gross Loans0.941.00(6)0.921
Loan Loss Reserves/ NPAs54.48261.72(20,724)384.57(33,009)
Net Charge-offs/ Avg Loans(0.00)0.18(18)0.39(39)
Regulatory Capital Ratios (%)
2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio10.149.1310110.0311
   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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