Call reports 2025
BEACH CITIES COMMERCIAL BANK — 2025
What BEACH CITIES COMMERCIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 153,845,000 | 162,492,000 | 156,508,000 | 176,737,000 |
| Total loans | 123,483,000 | 131,336,000 | 128,067,000 | 144,053,000 |
| Allowance for loan losses | 1,214,000 | 1,272,000 | 1,272,000 | 1,412,000 |
| Securities available for sale | 994,000 | 999,000 | 1,004,000 | 2,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,051,000 | 133,039,000 | 132,020,000 | 143,511,000 |
| Interest-bearing deposits | 110,413,000 | 117,673,000 | 116,564,000 | 122,474,000 |
| Noninterest-bearing deposits | 21,638,000 | 15,366,000 | 15,456,000 | 21,037,000 |
| Equity capital | 15,089,000 | 14,927,000 | 14,936,000 | 14,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 5,009,000 | 7,814,000 | 10,678,000 |
| Interest expense | 1,080,000 | 2,339,000 | 3,644,000 | 4,920,000 |
| Net interest income | 1,187,000 | 2,670,000 | 4,170,000 | 5,758,000 |
| Noninterest income | 280,000 | 480,000 | 540,000 | 592,000 |
| Noninterest expense | 1,709,000 | 3,588,000 | 5,133,000 | 6,751,000 |
| Provision for loan losses | 0 | 58,000 | 58,000 | 198,000 |
| Pretax income | -242,000 | -502,000 | -487,000 | -605,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -242,000 | -503,000 | -488,000 | -606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,933,000 | 14,729,000 | 14,746,000 | 14,673,000 |