Preferred Bank (PFBC)

Preferred Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	429.62	445.14	412.51	269.01	200.54	203.09
Interest Income on Investments	58.06	63.96	65.48	25.37	10.5	11.17
Total Interest Income	487.68	509.1	477.99	294.38	211.04	214.26
Interest Paid on Deposits	209.5	231.17	179.5	41.72	18.83	33.98
Interest Paid on Borrowings	8.16	5.3	9.12	5.3	6.33	6.12
Total Interest Expense	217.67	236.47	188.61	47.02	25.16	40.11
Net Interest Income	270.02	272.63	289.37	247.36	185.88	174.15
Net Interest Income Growth (YoY)	-1.04%	-5.79%	16.99%	33.08%	6.73%	5.78%
Gain (Loss) on Sale of Investments	-6.93	-6.93	-15.94	-7.55	-3.46	-6.37
Other Non-Interest Income	11.71	9.73	8.07	6.84	6.23	5.18
Total Non-Interest Income	8.13	6.64	-3.79	2.02	4.24	0.46
Non-Interest Income Growth (YoY)	615.85%	-	-	-52.43%	829.82%	-74.09%
Revenues Before Loan Losses	278.15	279.26	285.59	249.38	190.12	174.61
Provision for Loan Losses	6.8	12.1	10	7.35	-1	26
Revenue	271.35	267.16	275.59	242.03	191.12	148.61
Revenue Growth (YoY)	4.21%	-3.06%	13.87%	26.64%	28.60%	-8.80%
Salaries and Employee Benefits	47.39	44.43	45.5	40.2	33.49	30.67
Occupancy Expenses	5.77	4.22	3.35	3.26	3.06	3.13
Selling, General & Administrative	29.51	30.16	16.11	18.48	18.29	17.78
Other Non-Interest Expense	2.32	2.09	-2.57	-1.92	2.45	0.17
Total Non-Interest Expense	88.63	83.13	65.74	62.83	57.29	51.75
EBT Excluding Unusual Items	182.72	184.03	209.85	179.2	133.83	96.86
Pretax Income	182.72	184.03	209.85	179.2	133.83	96.86
Income Tax Expense	53.69	53.37	59.81	50.35	38.59	27.39
Net Income	129.03	130.66	150.04	128.85	95.24	69.47
Preferred Dividends & Other Adjustments	-	-	-	0	0.01	0.19
Net Income to Common	129.03	130.66	150.04	128.84	95.23	69.27
Net Income Growth	-5.32%	-12.91%	16.45%	35.28%	37.10%	-11.36%
Basic Shares Outstanding	13	13	14	15	15	15
Diluted Shares Outstanding	13	14	14	15	15	15
Shares Change (YoY)	-4.13%	-4.96%	-3.70%	-0.38%	-0.13%	-1.16%
EPS (Basic)	10.05	9.79	10.64	8.84	6.41	4.65
EPS (Diluted)	9.87	9.64	10.52	8.70	6.41	4.65
EPS Growth	-1.20%	-8.37%	20.92%	35.81%	37.76%	-9.88%
Dividend Per Share	3.000	2.850	2.350	1.840	1.570	1.200
Dividend Growth	7.14%	21.28%	27.72%	17.20%	30.83%	-
Effective Tax Rate	29.38%	29.00%	28.50%	28.10%	28.83%	28.28%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q