Preferred Bank Balance Sheet Health
Financial Health criteria checks 6/6
Preferred Bank has total assets of $6.8B and total equity of $699.6M. Total deposits are $5.8B, and total loans are $5.2B. It earns a Net Interest Margin of 4.5%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $936.6M.
Key information
9.7x
Asset to equity ratio
4.5%
Net interest margin
Total deposits | US$5.80b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$936.60m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1IU's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: 1IU has a sufficient allowance for bad loans (433%).
Low Risk Liabilities: 96% of 1IU's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1IU has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: 1IU's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: 1IU has an appropriate level of bad loans (0.3%).