Financial insights of HOPE

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	837,226
Interest on investment securities	76,235
Interest-bearing deposits in banks and other financial institutions	23,465
Interest on other investments	4,238
Total interest income	941,164
Interest on deposits	457,250
Interest expense, fhlb and frb borrowings	2,056
Interest on other borrowings and debt	9,624
Total interest expense	468,930
Net interest income before provision for credit losses	472,234
Provision for credit losses	31,802
Net interest income after provision for credit losses	440,432
Service fees on deposit accounts	12,511
International service fees	3,245
Wire transfer and foreign currency fees	4,515
Swap fees	5,928
Net gains on sales of sba loans	12,469
Net (losses) gains on sales of investment securities afs	-37,688
Net gain on branch sales	0
Other income and fees	25,488
Total noninterest income	26,468
Salaries and employee benefits	214,110
Occupancy	34,206
Furniture, equipment and software	32,020
Data processing and item processing	12,475
Professional fees	8,611
Amortization of investments in affordable housing partnerships	10,547
Fdic assessments	10,983
Fdic special assessment	-691
Earned interest credit expense	12,954
Merger and restructuring-related costs	21,534
Other noninterest expense	32,874
Total noninterest expense	389,623
Income before income taxes	77,277
Income tax provision	15,689
Net income	61,588

Basic EPS	0.49
Diluted EPS	0.49
Basic Average Shares	126,317,986
Diluted Average Shares	126,774,552