Call reports 2025
PACIFIC NATIONAL BANK — 2025
What PACIFIC NATIONAL 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 | 1,334,584,000 | 1,372,508,000 | 1,458,835,000 | 1,472,558,000 |
| Total loans | 878,465,000 | 876,691,000 | 892,215,000 | 923,900,000 |
| Allowance for loan losses | 6,402,000 | 6,980,000 | 6,927,000 | 6,715,000 |
| Securities available for sale | 264,569,000 | 309,219,000 | 348,631,000 | 384,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,097,123,000 | 1,114,411,000 | 1,206,178,000 | 1,204,061,000 |
| Interest-bearing deposits | 897,954,000 | 922,879,000 | 997,772,000 | 993,117,000 |
| Noninterest-bearing deposits | 199,169,000 | 191,532,000 | 208,406,000 | 210,944,000 |
| Equity capital | 152,104,000 | 154,593,000 | 158,635,000 | 162,646,000 |
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 | 20,108,000 | 40,571,000 | 62,701,000 | 84,846,000 |
| Interest expense | 9,320,000 | 18,949,000 | 29,614,000 | 39,648,000 |
| Net interest income | 10,788,000 | 21,622,000 | 33,087,000 | 45,198,000 |
| Noninterest income | 344,000 | 703,000 | 1,380,000 | 2,271,000 |
| Noninterest expense | 6,426,000 | 13,305,000 | 20,262,000 | 27,759,000 |
| Provision for loan losses | 237,000 | 815,000 | 762,000 | 550,000 |
| Pretax income | 4,574,000 | 8,101,000 | 13,408,000 | 19,276,000 |
| Income tax | 1,212,000 | 2,166,000 | 3,539,000 | 5,230,000 |
| Net income | 3,362,000 | 5,935,000 | 9,869,000 | 14,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,000,000 | 154,568,000 | 158,478,000 | 162,631,000 |
| Total capital | 158,836,000 | 162,192,000 | 165,983,000 | 169,784,000 |
| Risk-weighted assets | 968,439,000 | 1,002,063,000 | 1,024,421,000 | 1,053,551,000 |