BankUnited(BKU) - 2025 Q1 - Earnings Call Presentation

Financial Performance - Net income decreased to $58 million in Q1 2025, compared to $69 million in Q4 2024 and increased from $48 million in Q1 2024[5] - Earnings per share (EPS) decreased to $0.78 in Q1 2025, compared to $0.91 in Q4 2024 and increased from $0.64 in Q1 2024[5] - Net interest margin (NIM) was 2.81% in Q1 2025, compared to 2.84% in the prior quarter[4,5] Balance Sheet - Non-interest DDA increased to $8.069 billion, representing 29% of total deposits[4,5] - Total deposits increased to $28.058 billion[5] - Period-end loans totaled $23.990 billion[5] - CET1 ratio was 12.2%[4,5] Asset Quality - The allowance for credit losses to total loans was consistent at 0.92%[4,5] - Annualized net charge-off rate was 0.33%[4,5] - Non-performing assets to total assets ratio was 0.76%[5] Loan Portfolio - Core C&I and CRE loans declined by $106 million due to seasonality[4,5] - Lower yielding and non-core resi, franchise, equipment and municipal finance declined an aggregate $196 million[4] - Office loans represent 28% of the total CRE portfolio[16] - 14% of the total CRE portfolio is fixed rate and maturing in the next 12 months[18]