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

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Balance Sheet ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,541,8672,056,38023.612,430,75418.28
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve26,47822,65816.8624,55631.31
Net Loans Receivable2,515,3892,033,72223.682,406,19818.15
Intangible Assets1,1101,207(8.04)1,135(8.81)
Total Assets3,221,5982,598,84623.963,110,42414.30
Deposits2,763,7242,286,55920.872,659,99615.60
Debt, Senior and Subordinated125,35526,635370.64125,395(0.13)
Common Equity298,065264,14512.84291,2589.35
Total Shareholders' Equity298,065264,14512.84291,2589.35
Shares Outstanding (actual)14,232,90713,884,9422.5114,135,9072.74
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income28,06422,31825.7526,49523.69
Provision for Loan Losses1,900300533.331,400142.86
Noninterest Income1,15395320.991,350(58.37)
Noninterest Expense11,2239,23221.5710,48628.11
Net Income Before Taxes16,22713,08124.0515,9596.72
Provision for Taxes6,1665,51811.746,0805.66
Net Income10,0617,56333.039,8797.37
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share20.9419.0210.0820.606.56
Tangible Book Value20.8618.9410.1820.526.63
Diluted EPS Before Extra0.700.5429.630.695.80
Diluted EPS After Extra0.700.5429.630.695.80
Dividends Declared0.18000.150020.000.150080.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.281.2801.31(3)
ROAE13.5011.4520513.65(15)
Net Interest Margin3.673.88(21)3.598
Loans / Deposits91.9789.9320491.3859
Efficiency Ratio38.2442.50(426)37.6658
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.2210.12(90)9.33(11)
Equity/ Assets9.2510.16(91)9.36(11)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.370.23140.1918
Loan Loss Reserves/ Gross Loans1.041.10(6)1.013
Loan Loss Reserves/ NPAs225.15371.50(14,635)423.89(19,874)
Net Charge-offs/ Avg Loans(0.00)0.36(37)0.14(14)
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.8311.03(120)9.96(13)
   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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