Call reports 2025
PACIFIC COAST BANKERS' BANK — 2025
What PACIFIC COAST BANKERS' 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 | 1,139,353,000 | 1,242,294,000 | 1,162,548,000 | 1,138,599,000 |
| Total loans | 437,814,000 | 435,332,000 | 468,814,000 | 486,664,000 |
| Allowance for loan losses | 3,945,000 | 4,437,000 | 4,667,000 | 4,749,000 |
| Securities available for sale | 21,517,000 | 20,340,000 | 19,316,000 | 17,938,000 |
| Securities held to maturity | 96,030,000 | 91,776,000 | 87,615,000 | 84,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,965,000 | 439,349,000 | 541,416,000 | 516,742,000 |
| Interest-bearing deposits | 132,971,000 | 93,177,000 | 160,612,000 | 178,390,000 |
| Noninterest-bearing deposits | 320,994,000 | 346,172,000 | 380,804,000 | 338,352,000 |
| Equity capital | 137,971,000 | 139,447,000 | 139,149,000 | 140,541,000 |
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 | 12,324,000 | 23,849,000 | 35,620,000 | 47,471,000 |
| Interest expense | 5,512,000 | 10,076,000 | 14,553,000 | 19,169,000 |
| Net interest income | 6,812,000 | 13,773,000 | 21,067,000 | 28,302,000 |
| Noninterest income | 7,876,000 | 17,694,000 | 26,871,000 | 36,305,000 |
| Noninterest expense | 12,149,000 | 24,525,000 | 39,720,000 | 52,402,000 |
| Provision for loan losses | 0 | 492,000 | 722,000 | 804,000 |
| Pretax income | 2,520,000 | 6,374,000 | 7,448,000 | 11,271,000 |
| Income tax | 685,000 | 1,827,000 | 2,093,000 | 3,110,000 |
| Net income | 1,835,000 | 4,547,000 | 5,355,000 | 8,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,822,000 | 140,136,000 | 139,580,000 | 141,001,000 |
| Total capital | 142,792,000 | 144,654,000 | 144,300,000 | 145,885,000 |
| Risk-weighted assets | 525,902,000 | 526,552,000 | 564,922,000 | 590,752,000 |