Call reports 2025
CALIFORNIA BUSINESS BANK — 2025
What CALIFORNIA BUSINESS 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 | 109,881,000 | 115,475,000 | 128,350,000 | 122,022,000 |
| Total loans | 86,701,000 | 90,601,000 | 86,255,000 | 90,852,000 |
| Allowance for loan losses | 1,596,000 | 1,596,000 | 1,596,000 | 1,597,000 |
| Securities available for sale | 1,240,000 | 0 | 977,000 | 9,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,009,000 | 94,272,000 | 106,971,000 | 100,383,000 |
| Interest-bearing deposits | 61,469,000 | 65,658,000 | 75,714,000 | 70,769,000 |
| Noninterest-bearing deposits | 27,540,000 | 28,614,000 | 31,257,000 | 29,614,000 |
| Equity capital | 16,733,000 | 16,831,000 | 16,946,000 | 17,326,000 |
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 | 1,466,000 | 3,011,000 | 4,701,000 | 6,840,000 |
| Interest expense | 426,000 | 931,000 | 1,601,000 | 2,235,000 |
| Net interest income | 1,040,000 | 2,080,000 | 3,100,000 | 4,605,000 |
| Noninterest income | 465,000 | 911,000 | 1,391,000 | 1,873,000 |
| Noninterest expense | 1,317,000 | 2,710,000 | 4,091,000 | 5,608,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 281,000 | 400,000 | 870,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 188,000 | 279,000 | 398,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,738,000 | 16,831,000 | 16,950,000 | 17,420,000 |
| Total capital | 17,856,000 | 18,001,000 | 18,159,000 | 18,635,000 |
| Risk-weighted assets | 88,954,000 | 93,135,000 | 96,339,000 | 96,775,000 |