Financial insights of HOPE

Interest and fees on loans

211,378

205,919

191,291*

216,859

Interest on investment securities

20,359

19,218

17,381*

21,467

Interest-bearing deposits in banks and other financial institutions

-

5,866*

-

Interest on cash and deposits at other banks

3,808

3,778

-

5,273

Interest on other investments

632

1,229

694*

1,186

Total interest income

236,177

230,144

215,232*

244,785

Interest on deposits

101,785

101,455

105,835*

115,425

Interest expense, fhlb and frb borrowings

3,180

2,408

1,101*

273

Interest on other debt

2,243

2,224

2,325*

2,445

Total interest expense

107,208

106,087

109,260*

118,143

Net interest income

128,969

124,057

105,972*

126,642

Provision for credit gaines

6,770

8,650

-3,763*

8,710

Net interest income after provision for credit losses

122,199

115,407

109,735*

117,932

Service fees on deposit accounts

3,395

3,335

3,000*

3,235

International service fees

-

1,486*

641

Wire transfer and foreign currency fees

-

72*

1,481

International service, wire transfer and foreign currency fees

1,982

2,255

-

Swap fees

-

2,516*

613

Other customer-driven income and fees

5,739

4,877

-

Net gains on sales of sba loans

4,447

3,266

2,311*

2,774

Net (losses) gains on sales of investment securities afs

-

21,231*

-

Net gain on branch sales

-

0*

-

Net (gains) losses on sales of investment securities afs

1,172

604

-

0

Other noninterest income

2,115

2,630

7,211*

6,641

Total noninterest income (loss)

18,850

16,967

37,825*

15,385

Salaries and employee benefits

56,901

56,223

41,286*

54,910

Occupancy

-

7,151*

9,153

Occupancy, furniture and equipment

11,353

10,566

-

Furniture, equipment and software

-

8,452*

7,895

Software and subscriptions

7,144

6,285

-

Data and item processing

3,206

3,568

726*

4,231

Professional fees

-

2,313*

2,278

Amortization of investments in affordable housing partnerships

2,554

2,474

2,078*

3,216

Federal deposit insurance corporation (fdic) assessments

2,783

2,814

2,838*

2,942

Fdic special assessment (reversal)

0

-58

-691*

0

Earned interest credit expense

2,501

2,383

2,696*

3,529

Merger and restructuring-related costs

-

5,384*

-

Merger-related costs

2,058

234

-

958

Other noninterest expense

9,964

9,966

7,892*

7,749

Total noninterest expense

98,464

94,455

80,122*

96,861

Income (loss) before income taxes

42,585

37,919

67,437*

36,456

Income tax provision (benefit)

9,554

8,379

10,292*

5,613

Net income (loss)

33,031

29,540

57,145

30,843

Basic EPS

0.26

0.23

0.465

0.24

Diluted EPS

0.26

0.23

0.463

0.24

Basic Average Shares

127,778,952

128,081,360

122,784,421

128,167,932

Diluted Average Shares

128,308,861

128,723,654

123,505,791

128,593,874

MyFinsight

Income Overview

Time Plot

Income Statement

Income Overview

Time Plot

Income Statement