Call reports 2025
CALIFORNIA PACIFIC BANK — 2025
What CALIFORNIA PACIFIC 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 | 83,071,000 | 97,943,000 | 98,226,000 | 97,625,000 |
| Total loans | 69,687,000 | 74,959,000 | 74,364,000 | 78,388,000 |
| Allowance for loan losses | 5,395,000 | 5,395,000 | 5,395,000 | 5,895,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,655,000 | 56,204,000 | 55,797,000 | 55,334,000 |
| Interest-bearing deposits | 23,363,000 | 34,798,000 | 33,705,000 | 34,768,000 |
| Noninterest-bearing deposits | 18,292,000 | 21,406,000 | 22,092,000 | 20,566,000 |
| Equity capital | 39,916,000 | 40,569,000 | 41,196,000 | 41,010,000 |
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 | 1,663,000 | 3,296,000 | 5,166,000 | 6,371,000 |
| Interest expense | 196,000 | 432,000 | 721,000 | 997,000 |
| Net interest income | 1,467,000 | 2,864,000 | 4,445,000 | 5,374,000 |
| Noninterest income | 70,000 | 153,000 | 223,000 | 312,000 |
| Noninterest expense | 580,000 | 1,130,000 | 1,874,000 | 2,738,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 957,000 | 1,887,000 | 2,794,000 | 2,448,000 |
| Income tax | 283,000 | 559,000 | 838,000 | 680,000 |
| Net income | 674,000 | 1,328,000 | 1,956,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,916,000 | 40,569,000 | 41,196,000 | 41,010,000 |
| Total capital | 40,984,000 | 41,736,000 | 42,392,000 | 42,257,000 |
| Risk-weighted assets | 81,013,000 | 89,070,000 | 91,392,000 | 95,032,000 |