| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 48,721 | 49,080 | ||
| Interest on debt securities | 2,142 | 1,751 | ||
| Interest on tax-exempted debt securities | 302 | 304 | ||
| Interest on deposits at other financial institutions | 5,416 | 4,000 | ||
| Interest and dividends on other interest-earning assets | 607 | 651 | ||
| Total interest and dividend income | 57,188 | 55,786 | ||
| Interest on now, money market and savings accounts | 12,159 | 11,390 | ||
| Interest on time deposits | 1,402 | 1,550 | ||
| Interest on borrowings | 1,112 | 1,429 | ||
| Total interest expense | 14,673 | 14,369 | ||
| Net interest income | 42,515 | 41,417 | ||
| (reversal of) provision for credit losses | -15 | -634 | ||
| Net interest income after (reversal of) provision for credit losses | 42,530 | 42,051 | ||
| Revenue-Deposit Account | 795 | 802 | ||
| Revenue-Interchange And ATMIncome | 304 | 376 | ||
| Gain on sale of loans | 0 | 0 | ||
| Income from bank owned life insurance | 883 | 503 | ||
| Servicing and related income on loans, net | 69 | 102 | ||
| Loss on sale of fixed assets | 0 | 0 | ||
| Other charges and fees | 617 | 1,073 | ||
| Total noninterest income | 2,668 | 2,856 | ||
| Salaries and employee benefits | 14,717 | 15,293 | ||
| Occupancy and equipment | 2,060 | 2,094 | ||
| Data processing and communications | 1,913 | 1,831 | ||
| Legal, audit and professional | 843 | 972 | ||
| Regulatory assessments | 508 | 545 | ||
| Director and shareholder expenses | 353 | 395 | ||
| Merger and related expenses | 0 | 0 | ||
| Intangible asset amortization | 948 | 948 | ||
| Other real estate owned (income) expenses/losses | 10 | - | ||
| Other real estate owned expenses/losses | - | 862 | ||
| Other expenses | 2,050 | 1,893 | ||
| Total noninterest expense | 23,382 | 24,833 | ||
| Income (loss) before income taxes | 21,816 | 20,074 | ||
| Income tax expense (benefit) | 6,132 | 5,975 | ||
| Net income (loss) | 15,684 | 14,099 | ||
| Basic (in dollars per share) | 0.48 | 0.43 | ||
| Diluted (in dollars per share) | 0.48 | 0.43 | ||
| Weighted average common shares outstanding - basic (in shares) | 32,451,576 | 32,423,935 | ||
| Weighted average common shares outstanding - diluted (in shares) | 32,811,827 | 32,685,132 | ||
California BanCorp CA (BCAL)
California BanCorp CA (BCAL)