Financial HighlightsPREFERRED 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 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,272,8192,875,22313.833,136,15517.43
Loans Held for Sale, before Reserves000.0047,337NM
Loan Loss Reserve31,96628,75611.1629,77229.48
Net Loans Receivable3,240,8532,846,46713.863,153,72011.05
Intangible Assets9421,038(9.25)966(9.94)
Total Assets4,076,1883,665,47211.203,958,80411.86
Deposits3,518,7503,194,48210.153,410,23512.73
Debt, Senior and Subordinated100,376105,363(4.73)105,369(18.95)
Common Equity399,969317,02526.16385,22615.31
Total Shareholders' Equity399,969317,02526.16385,22615.31
Shares Outstanding (actual)15,325,14414,561,0885.2515,325,3190.00
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income39,23735,42210.7737,40619.58
Provision for Loan Losses1,8801,30044.621,200226.67
Noninterest Income1,6761,24334.841,6447.79
Noninterest Expense13,58411,87914.3513,3257.77
Net Income Before Taxes25,44923,1869.7624,15721.39
Provision for Taxes7,1269,516(25.12)6,75222.16
Net Income18,32313,67034.0417,40521.10
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share26.1021.7719.8725.1415.31
Tangible Book Value26.0421.7019.9825.0715.38
Diluted EPS Before Extra1.200.9427.661.1421.05
Diluted EPS After Extra1.200.9427.661.1421.05
Dividends Declared0.25000.200025.000.25000.00
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.841.48361.831
ROAE18.3117.2111018.283
Net Interest Margin4.043.9594.07(3)
Loans / Deposits93.0190.0130091.96105
Efficiency Ratio33.2033.22(2)35.25(205)
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.798.621179.718
Equity/ Assets9.818.651169.738
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.340.301041.38(4)
Loan Loss Reserves/ Gross Loans0.981.00(2)0.944
Loan Loss Reserves/ NPAs58.64260.57(20,193)54.48415
Net Charge-offs/ Avg Loans(0.04)0.06(10)(0.00)(4)
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.239.249910.149
   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.



Copyright 2018, © S&P Global Market Intelligence  Terms of Use