Preferred Bank (PFBC) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.978 Good afternoon, everyone, and welcome to the Preferred Bank Q4 2025 earnings conference 00:00:04.978 -- 00:00:06.420 call. 00:00:06.420 -- 00:00:09.304 All participants will be in a listen-only mode. 00:00:09.304 -- 00:00:12.889 Should you need assistance, please signal a conference specialist by pressing the star 00:00:12.889 -- 00:00:15.833 key followed by zero. 00:00:15.833 -- 00:00:19.478 After today's presentation, there will be an opportunity to ask questions. 00:00:19.478 -- 00:00:23.965 To ask a question, you may press star and then one on a touch-tone telephone. 00:00:23.965 -- 00:00:27.329 To withdraw your questions, you may press star and two. 00:00:27.329 -- 00:00:30.338 Please also note today's event is being recorded. 00:00:30.338 -- 00:00:34.903 I would now like to turn the conference call over to Jeffrey Haas with Financial Profiles. 00:00:34.903 -- 00:00:37.165 Sir, please go ahead. 00:00:37.165 -- 00:00:38.426 Thank you, Jamie. 00:00:38.426 -- 00:00:42.451 Hello, everyone, and thank you for joining us to discuss preferred bank financial results 00:00:42.451 -- 00:00:46.555 for the fourth quarter ended December 31st, 2025. 00:00:46.555 -- 00:00:51.820 With me today from management are Chairman and CEO Lee Yu, President and Chief 00:00:51.820 -- 00:00:56.942 Operating Officer Wellington Chen, Chief Financial Officer Edward Chayka, Chief 00:00:56.942 -- 00:01:01.909 Risk Officer Nick Pye, and Deputy Chief Operating Officer Johnny Hsu. 00:01:01.909 -- 00:01:05.654 Management will provide a brief summary of the results, and then we will open up the 00:01:05.654 -- 00:01:09.619 call to your questions. During the course of this conference call, statements made by 00:01:09.619 -- 00:01:14.305 management may include forwar...