Company: WAL-PA
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001212545-25-000214
Chunk: 284

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 8
Chunk 284
---
 bearing deposits22,837 19,589 Other liabilities1,530 1,493 Equity7,128 6,257 Total liabilities and equity$84,633 $75,618 Net interest income and margin (4)$1,348.2 3.50 %$1,255.5 3.61 %

(1)Yields on loans and securities have been adjusted to a TEB. The taxable-equivalent adjustment was $20.3 million and $19.5 million for the six months ended June 30, 2025 and 2024, respectively. 

(2)Included in the yield computation are net loan fees of $49.3 million and $65.2 million for the six months ended June 30, 2025 and 2024, respectively.

(3)Includes non-accrual loans.

(4)Net interest margin is computed by dividing net interest income by total average earning assets, annualized on an actual/actual basis.

68

Three Months Ended June 30,Six Months Ended June 30,2025 versus 20242025 versus 2024Increase (Decrease) Due to Changes in (1)Increase (Decrease) Due to Changes in (1)VolumeRateTotalVolumeRateTotal(in millions)Interest income:Loans HFS$30.4 $0.6 $31.0 $59.6 $(1.2)$58.4 Loans HFI:Commercial and industrial68.0 (46.0)22.0 133.6 (91.4)42.2 CRE - non-owner occupied10.2 (13.3)(3.1)19.7 (32.7)(13.0)CRE - owner-occupied(1.1)(0.7)(1.8)(0.1)0.2 0.1 Construction and land development(9.3)(14.3)(23.6)(20.1)(28.8)(48.9)Residential real estate(1.4)(5.3)(6.7)(5.3)(6.2)(11.5)Consumer(0.3)0.1 (0.2)(0.5)(0.1)(0.6)Total loans HFI66.1 (79.5)(13.4)127.3 (159.0