Call reports 2025
HOME BANK OF CALIFORNIA — 2025
What HOME BANK OF CALIFORNIA 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 | 253,791,000 | 250,932,000 | 254,070,000 | 246,729,000 |
| Total loans | 231,919,000 | 227,597,000 | 235,089,000 | 227,972,000 |
| Allowance for loan losses | 2,382,000 | 2,382,000 | 2,321,000 | 2,321,000 |
| Securities available for sale | 347,000 | 319,000 | 302,000 | 271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,583,000 | 205,349,000 | 197,442,000 | 195,648,000 |
| Interest-bearing deposits | 192,642,000 | 194,134,000 | 187,396,000 | 185,656,000 |
| Noninterest-bearing deposits | 11,941,000 | 11,215,000 | 10,046,000 | 9,992,000 |
| Equity capital | 29,684,000 | 31,004,000 | 31,081,000 | 31,124,000 |
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 | 4,496,000 | 9,143,000 | 13,918,000 | 18,562,000 |
| Interest expense | 2,070,000 | 4,123,000 | 6,146,000 | 8,115,000 |
| Net interest income | 2,426,000 | 5,020,000 | 7,772,000 | 10,447,000 |
| Noninterest income | 78,000 | 147,000 | 250,000 | 312,000 |
| Noninterest expense | 1,568,000 | 2,686,000 | 3,809,000 | 4,991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 936,000 | 2,481,000 | 4,213,000 | 5,768,000 |
| Income tax | 33,000 | 87,000 | 147,000 | 202,000 |
| Net income | 903,000 | 2,394,000 | 4,066,000 | 5,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,684,000 | 31,004,000 | 31,080,000 | 31,123,000 |