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

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Balance Sheet ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,331,0542,937,99413.383,272,8197.12
Loans Held for Sale, before Reserves0440NM00.00
Loan Loss Reserve31,06529,9213.8231,966(11.27)
Net Loans Receivable3,299,9892,908,51313.463,240,8537.30
Intangible Assets9191,014(9.37)942(9.77)
Total Assets4,215,5023,769,85911.824,076,18813.67
Deposits3,639,6853,262,69011.553,518,75013.75
Debt, Senior and Subordinated100,394105,364(4.72)100,3760.07
Common Equity414,413355,03416.72399,96914.45
Total Shareholders' Equity414,413355,03416.72399,96914.45
Shares Outstanding (actual)15,308,68815,122,3131.2315,325,144(0.43)
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income41,44234,56219.9139,23722.48
Provision for Loan Losses5,5501,500270.001,880780.85
Noninterest Income2,3671,21195.461,676164.92
Noninterest Expense11,64511,776(1.11)13,584(57.10)
Net Income Before Taxes26,61422,50118.2825,44918.31
Provision for Taxes7,96014,775(46.13)7,12646.81
Net Income18,6547,726141.4418,3237.23
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share27.0723.4815.3026.1014.89
Tangible Book Value27.0123.4115.3826.0414.95
Diluted EPS Before Extra1.220.52134.621.206.67
Diluted EPS After Extra1.220.52134.621.206.67
Dividends Declared0.30000.220036.360.250080.00
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.820.83991.84(2)
ROAE18.329.2091318.46(14)
Net Interest Margin4.133.86274.049
Loans / Deposits91.5290.0514793.01(149)
Efficiency Ratio29.8432.92(308)33.20(336)
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.819.39429.792
Equity/ Assets9.839.42419.812
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.28NA1.34NA
Loan Loss Reserves/ Gross Loans0.931.02(9)0.98(4)
Loan Loss Reserves/ NPAsNA282.33NA58.64NA
Net Charge-offs/ Avg Loans0.800.0575(0.04)84
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio10.3810.073110.2315
   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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