Cathay General Bancorp(US:CATY)2025-07-22 22:00Financial Performance - Net income for the second quarter of 2025 was $77.4 million, with diluted EPS of $1.10[5, 64] - Return on average assets (ROAA) was 1.15% and return on average equity (ROAE) was 9.84% for 2Q25[5] - Pre-Tax Pre-Provision (PTPP) income was $119 million, with a PTPP ratio of 2.03%[8] - Net interest income increased to $181.2 million, a 3% increase compared to the previous quarter[64] - Total noninterest income was $15.4 million, a 37% increase compared to the previous quarter[64] Balance Sheet - Total assets reached $23.724 billion, a $520 million increase from the previous quarter[11] - Gross loans, net of fees, amounted to $19.771 billion, a $430 million increase from the previous quarter[11] - Total deposits reached $20.006 billion, a $189 million increase from the previous quarter[11] - The net loans-to-deposit ratio was 98%[13] Loan Portfolio - Total loans amounted to $19.8 billion, with Commercial Real Estate (CRE) comprising 52% of the portfolio[9, 15] - Average loan growth quarter-over-quarter annualized was +1.6%[15] - The total CRE portfolio was $10.4 billion, with a weighted average LTV of 49%[15, 29]