Call reports 2025
BANK OF SAN FRANCISCO — 2025
What BANK OF SAN FRANCISCO 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 | 638,907,000 | 671,915,000 | 698,408,000 | 733,054,000 |
| Total loans | 530,817,000 | 550,910,000 | 581,443,000 | 623,030,000 |
| Allowance for loan losses | 6,968,000 | 7,258,000 | 7,518,000 | 7,659,000 |
| Securities available for sale | 21,819,000 | 21,859,000 | 25,038,000 | 26,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 553,531,000 | 582,224,000 | 605,999,000 | 637,565,000 |
| Interest-bearing deposits | 353,748,000 | 353,188,000 | 367,669,000 | 372,073,000 |
| Noninterest-bearing deposits | 199,783,000 | 229,036,000 | 238,330,000 | 265,492,000 |
| Equity capital | 76,742,000 | 78,520,000 | 80,614,000 | 83,057,000 |
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 | 8,043,000 | 16,849,000 | 26,203,000 | 36,401,000 |
| Interest expense | 1,719,000 | 3,587,000 | 5,523,000 | 7,577,000 |
| Net interest income | 6,324,000 | 13,262,000 | 20,680,000 | 28,824,000 |
| Noninterest income | 163,000 | 266,000 | 392,000 | 601,000 |
| Noninterest expense | 4,623,000 | 9,108,000 | 13,655,000 | 18,714,000 |
| Provision for loan losses | 300,000 | 590,000 | 850,000 | 960,000 |
| Pretax income | 1,564,000 | 3,890,000 | 6,497,000 | 9,491,000 |
| Income tax | 466,000 | 1,158,000 | 1,930,000 | 2,713,000 |
| Net income | 1,098,000 | 2,732,000 | 4,567,000 | 6,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,662,000 | 78,478,000 | 80,513,000 | 82,961,000 |
| Total capital | 81,962,000 | 84,050,000 | 86,418,000 | 89,407,000 |
| Risk-weighted assets | 422,196,000 | 443,962,000 | 470,556,000 | 514,031,000 |