Financial insights of HAFC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	375,760
Interest on securities	25,345
Dividends on fhlb stock	1,433
Interest on deposits in other banks	8,390
Total interest and dividend income	410,928
Interest on deposits	164,705
Interest on borrowings	3,727
Interest on subordinated debentures	6,306
Total interest expense	174,738
Net interest income before credit loss expense	236,190
Credit loss expense	14,439
Net interest income after credit loss expense	221,751
Service charges on deposit accounts	8,742
Trade finance and other service charges and fees	6,144
Gain on sale of sba loans	7,808
Gain on sale of residential mortgage loans	1,913
Other operating income	9,368
Total noninterest income	33,975
Salaries and employee benefits	87,676
Occupancy and equipment	17,639
Data processing	15,472
Professional fees	7,514
Supplies and communications	2,028
Advertising and promotion	3,104
Other operating expenses	14,366
Total noninterest expense	147,799
Income before tax	107,927
Income tax expense	31,838
Net income	76,089

Basic EPS	2.53
Diluted EPS	2.51
Basic Average Shares	29,852,149
Diluted Average Shares	30,042,274