Company: WAL-PA
Filing Date: 2025-05-01
Form Type: 10-Q
Source: 0001212545-25-000141
Chunk: 264

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-05-01
Form: 10-Q
Item: Part I, Item 8
Chunk 264
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 1(dollars in millions)March 31, 2025WAL$8,349 $7,094 $57,699 $82,868 14.5 %12.3 %8.6 %11.1 %WAB7,851 7,190 57,626 82,791 13.6 12.5 8.7 12.0 Well-capitalized ratios10.0 8.0 5.0 6.5 Minimum capital ratios8.0 6.0 4.0 4.5 December 31, 2024WAL$7,922 $6,687 $56,019 $82,691 14.1 %11.9 %8.1 %11.3 %WAB7,444 6,803 55,983 82,562 13.3 12.2 8.2 12.2 Well-capitalized ratios10.0 8.0 5.0 6.5 Minimum capital ratios8.0 6.0 4.0 4.5 

The Company and the Bank are also subject to liquidity and other regulatory requirements as administered by the federal banking agencies. These agencies have broad powers and at their discretion, could limit or prohibit the Company's payment of dividends, payment of certain debt service and issuance of capital stock and debt as they deem appropriate and as such, actions by the agencies could have a direct material effect on the Company’s business and financial statements.

The Company is also required to maintain specified levels of capital to remain in good standing with certain federal government agencies, including FNMA, FHLMC, GNMA, and HUD. These capital requirements are generally tied to the unpaid balances of loans included in the Company's servicing portfolio or loan production volume. Noncompliance with these capital requirements can result in various remedial actions up to, and including, removing the Company's ability to sell loans to and service loans on behalf of the respective agency. The Company believes that it is in compliance with these requirements as of March 31, 2025.

79

Critical Accounting Estimates

Critical accounting estimates are defined as those that are reflective of significant judgments and uncertainties and could potentially result in materially different results under different assumptions and conditions. The critical accounting estimates upon which the Company's financial condition and results of operations depend, and which involve the most