Business Segments (Tables)

9 Months Ended

Sep. 30, 2025

Schedule of Operating Results and Key Financial Measures by Operating Segments

The following tables present the operating results and other key financial measures for the individual operating segments as of and for the three and nine months ended September 30, 2025 and 2024:



($ in thousands)	Consumer and Business Banking		Commercial Banking		Treasury and Other		Total
Three Months Ended September 30, 2025






Net interest income before provision for (reversal of) credit losses	$	275,389	$	265,935	$	136,206	$	677,530
Noninterest income	31,191		57,983		11,343		100,517
Total revenue before provision for (reversal of ) credit losses	306,580		323,918		147,549		778,047
Provision for (reversal of) credit losses	16,679		35,580		(16,259)		36,000
Compensation and employee benefits	60,471		62,282		52,832		175,585
Other noninterest expense (1)	57,695		36,413		7,230		101,338
Total noninterest expense	118,166		98,695		60,062		276,923
Segment income before income taxes	171,735		189,643		103,746		465,124

Segment net income	$	123,347	$	136,267	$	108,780	$	368,394
Average balances:
Loans	$	20,500,553	$	34,408,431	$	299,594	$	55,208,578
Deposits	$	33,883,506	$	28,027,523	$	4,278,738	$	66,189,767
As of September 30, 2025

Segment assets	$	21,078,748	$	36,867,668	$	21,723,115	$	79,669,531



($ in thousands)	Consumer and Business Banking		Commercial Banking		Treasury and Other		Total
Three Months Ended September 30, 2024






Net interest income (loss) before provision for (reversal of) credit losses	$	290,884	$	288,704	$	(6,866)	$	572,722
Noninterest income	27,970		45,577		10,848		84,395
Total revenue before provision for (reversal of ) credit losses	318,854		334,281		3,982		657,117
Provision for (reversal of) credit losses	5,927		36,934		(861)		42,000
Compensation and employee benefits	53,865		57,582		24,017		135,464
Other noninterest expense (1)	58,141		36,020		(3,825)		90,336
Total noninterest expense	112,006		93,602		20,192		225,800
Segment income (loss) before income taxes	200,921		203,745		(15,349)		389,317

Segment net income	$	141,532	$	143,218	$	14,416	$	299,166
Average balances:
Loans	$	19,048,831	$	32,975,235	$	396,450	$	52,420,516
Deposits	$	31,462,739	$	26,310,972	$	2,811,545	$	60,585,256
As of September 30, 2024

Segment assets	$	19,650,183	$	35,714,691	$	19,118,846	$	74,483,720



($ in thousands)	Consumer and Business Banking		Commercial Banking		Treasury and Other		Total
Nine Months Ended September 30, 2025






Net interest income before provision for (reversal of) credit losses	$	818,195	$	773,080	$	303,530	$	1,894,805
Noninterest income	91,205		161,313		26,279		278,797
Total revenue before provision for (reversal of ) credit losses	909,400		934,393		329,809		2,173,602
Provision for (reversal of) credit losses	31,139		115,083		(16,222)		130,000
Compensation and employee benefits	180,585		181,061		105,215		466,861
Other noninterest expense (1)	172,140		114,784		31,306		318,230
Total noninterest expense	352,725		295,845		136,521		785,091
Segment income before income taxes	525,536		523,465		209,510		1,258,511

Segment net income	$	374,730	$	373,499	$	220,688	$	968,917
Average balances:
Loans	$	20,151,497	$	33,800,162	$	331,101	$	54,282,760
Deposits	$	32,992,699	$	26,832,722	$	4,355,985	$	64,181,406
As of September 30, 2025

Segment assets	$	21,078,748	$	36,867,668	$	21,723,115	$	79,669,531



($ in thousands)	Consumer and Business Banking		Commercial Banking		Treasury and Other		Total
Nine Months Ended September 30, 2024






Net interest income (loss) before provision for (reversal of) credit losses	$	880,316	$	855,607	$	(44,833)	$	1,691,090
Noninterest income	80,288		141,634		25,131		247,053
Total revenue (loss) before provision for (reversal of) credit losses	960,604		997,241		(19,702)		1,938,143
Provision for (reversal of) credit losses	5,246		99,996		(1,242)		104,000
Compensation and employee benefits	161,557		175,881		73,426		410,864
Other noninterest expense (1)	176,279		120,371		592		297,242
Total noninterest expense	337,836		296,252		74,018		708,106
Segment income (loss) before income taxes	617,522		600,993		(92,478)		1,126,037

Segment net income	$	434,992	$	423,407	$	14,072	$	872,471
Average balances:
Loans	$	18,817,573	$	32,854,843	$	416,845	$	52,089,261
Deposits	$	30,406,431	$	25,667,059	$	2,835,470	$	58,908,960
As of September 30, 2024

Segment assets	$	19,650,183	$	35,714,691	$	19,118,846	$	74,483,720

(1)The Consumer and Business Banking segment's other noninterest expense is primarily comprised of corporate overhead allocated expenses, occupancy and equipment expense, and other operating expenses. The Commercial Banking segment’s other noninterest expense is primarily comprised of corporate overhead allocated expenses, deposit account expense, and other operating expenses. The Treasury and Other segment's other noninterest expense is primarily comprised of amortization of tax credit and CRA investments, and other operating expenses, net of any corporate overhead expenses allocated to other segments.

EAST WEST BANCORP INC 10-Q