Call reports 2025
BANK OF THE PACIFIC — 2025
What BANK OF THE PACIFIC 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 | 1,218,107,000 | 1,214,544,000 | 1,262,463,000 | 1,274,361,000 |
| Total loans | 706,439,000 | 745,834,000 | 771,526,000 | 775,266,000 |
| Allowance for loan losses | 8,890,000 | 9,222,000 | 9,057,000 | 9,292,000 |
| Securities available for sale | 264,657,000 | 277,840,000 | 274,777,000 | 294,173,000 |
| Securities held to maturity | 40,719,000 | 29,949,000 | 29,027,000 | 28,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,075,100,000 | 1,070,982,000 | 1,114,758,000 | 1,123,354,000 |
| Interest-bearing deposits | 691,902,000 | 650,764,000 | 692,076,000 | 717,023,000 |
| Noninterest-bearing deposits | 383,198,000 | 420,218,000 | 422,682,000 | 406,331,000 |
| Equity capital | 129,166,000 | 131,397,000 | 135,475,000 | 138,744,000 |
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 | 14,209,000 | 28,900,000 | 44,087,000 | 59,511,000 |
| Interest expense | 2,694,000 | 5,265,000 | 7,960,000 | 10,826,000 |
| Net interest income | 11,515,000 | 23,635,000 | 36,127,000 | 48,685,000 |
| Noninterest income | 1,294,000 | 2,776,000 | 4,228,000 | 5,861,000 |
| Noninterest expense | 9,321,000 | 18,886,000 | 28,183,000 | 38,040,000 |
| Provision for loan losses | 114,000 | 521,000 | 411,000 | 514,000 |
| Pretax income | 3,240,000 | 6,890,000 | 11,585,000 | 15,799,000 |
| Income tax | 617,000 | 1,323,000 | 2,293,000 | 3,148,000 |
| Net income | 2,623,000 | 5,567,000 | 9,292,000 | 12,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,734,000 | 131,275,000 | 133,067,000 | 135,023,000 |
| Total capital | 139,133,000 | 140,986,000 | 142,675,000 | 144,883,000 |
| Risk-weighted assets | 800,506,000 | 838,052,000 | 838,911,000 | 840,143,000 |