East West Bancorp(EWBC) - 2025 Q1 - Earnings Call Presentation

Financial Performance - Net income available to common equity was $290 million[9], resulting in diluted quarterly earnings per share of $2.08[9] - The company achieved a Return on Average Assets (ROAA) of 1.56%[11] and a Return on Average Tangible Common Equity (ROACE) of approximately 15.0% (~16% ROTCE)[11] - Total quarterly revenue reached a record high, with fee income at $88 million[10], representing an increase of nearly $7 million or 8% from $81 million[10, 25] - Net Interest Income (NII) increased by 2% quarter-over-quarter (Q-o-Q)[10] and the Net Interest Margin (NIM) expanded by 11 basis points (bps) Q-o-Q[10] Balance Sheet & Asset Quality - Total end-of-period (EOP) loans increased by 1% Q-o-Q, equivalent to an annualized growth rate of 4%[10] - Nonaccrual loans decreased by 2 bps Q-o-Q to 28 bps[11], and nonperforming assets also decreased by 2 bps Q-o-Q to 24 bps[11] - Net charge-offs amounted to $15 million, representing 12 bps[11] - The Allowance for Loan Losses (ALLL) was bolstered to 1.35%[11], with reserves increased by $33 million[43] Deposits & Capital - The company optimized deposits, leading to a reduction in the average deposit cost of interest-bearing deposits by 29 bps Q-o-Q[10] - The Tangible Common Equity (TCE) ratio stood at 9.9%[11], and the Common Equity Tier 1 (CET1) ratio was 14.3%[11] - The company repurchased $85 million worth of shares (~920K shares) in 1Q25[44, 47]