Call reports 2025
PACIFIC CREST BANK — 2025
What PACIFIC CREST 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 | 331,165,000 | 324,049,000 | 324,246,000 | 328,045,000 |
| Total loans | 238,176,000 | 239,638,000 | 230,388,000 | 231,443,000 |
| Allowance for loan losses | 3,613,000 | 3,764,000 | 3,789,000 | 3,764,000 |
| Securities available for sale | 29,342,000 | 29,182,000 | 29,920,000 | 30,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,028,000 | 249,876,000 | 242,348,000 | 247,575,000 |
| Interest-bearing deposits | 253,874,000 | 243,885,000 | 233,366,000 | 236,192,000 |
| Noninterest-bearing deposits | 5,154,000 | 5,991,000 | 8,982,000 | 11,383,000 |
| Equity capital | 33,048,000 | 32,523,000 | 33,902,000 | 32,611,000 |
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 | 4,492,000 | 9,055,000 | 13,584,000 | 18,010,000 |
| Interest expense | 2,717,000 | 5,478,000 | 8,142,000 | 10,752,000 |
| Net interest income | 1,775,000 | 3,577,000 | 5,442,000 | 7,258,000 |
| Noninterest income | 5,000 | 9,000 | 17,000 | 23,000 |
| Noninterest expense | 1,274,000 | 2,558,000 | 3,852,000 | 5,229,000 |
| Provision for loan losses | 25,000 | 175,000 | 200,000 | 175,000 |
| Pretax income | 481,000 | 1,003,000 | 1,582,000 | 2,052,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 481,000 | 1,003,000 | 1,582,000 | 2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,826,000 | 36,161,000 | 36,539,000 | 34,915,000 |
| Total capital | 38,817,000 | 39,128,000 | 39,381,000 | 37,761,000 |
| Risk-weighted assets | 238,221,000 | 236,291,000 | 226,203,000 | 226,541,000 |