Financial HighlightsPREFERRED BANK (NASDAQ - PFBC)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,094,2082,685,03115.242,937,99421.27
Loans Held for Sale, before Reserves000.00440NM
Loan Loss Reserve28,57027,8572.5629,921(18.06)
Net Loans Receivable3,065,6382,657,17415.372,908,51321.61
Intangible Assets9901,086(8.84)1,014(9.47)
Total Assets3,781,9243,412,92910.813,769,8591.28
Deposits3,261,6772,950,64610.543,262,690(0.12)
Debt, Senior and Subordinated105,367125,357(15.95)105,3640.01
Common Equity371,028294,38326.04355,03418.02
Total Shareholders' Equity371,028294,38326.04355,03418.02
Shares Outstanding (actual)15,318,11914,505,1135.6015,122,3135.18
Income Statement ($000)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income36,14428,44227.0834,56218.31
Provision for Loan Losses1,5001,5000.001,5000.00
Noninterest Income1,5642,090(25.17)1,211116.60
Noninterest Expense13,73012,23312.2411,77666.37
Net Income Before Taxes22,47815,85441.7822,501(0.41)
Provision for Taxes5,8675,5735.2814,775(241.16)
Net Income16,61110,28161.577,726460.01
Per Share Items ($)
2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share24.2220.3019.3523.4812.68
Tangible Book Value24.1620.2219.4723.4112.75
Diluted EPS Before Extra1.090.7153.520.52438.46
Diluted EPS After Extra1.090.7153.520.52438.46
Dividends Declared0.22000.180022.220.22000.00
Performance Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.851.29560.83102
ROAE18.0713.904189.20888
Net Interest Margin4.143.67473.8628
Loans / Deposits94.8791.0038790.05482
Efficiency Ratio36.4143.16(675)32.92349
Balance Sheet Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.798.601199.3939
Equity/ Assets9.818.631199.4239
Asset Quality Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.200.35(15)0.28(8)
Loan Loss Reserves/ Gross Loans0.921.04(11)1.02(9)
Loan Loss Reserves/ NPAs384.57233.8415,074282.3310,225
Net Charge-offs/ Avg Loans0.390.02370.0534
Regulatory Capital Ratios (%)
2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.039.158810.07(4)
   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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