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Income Statement
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Balance Sheet
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Income Overview
Revenue
$827K
Net Income
$14,300K
Net Profit Margin
1729.14%
EPS
$0.44
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2025-12-31
2025-09-30
2025-06-30
Revenue-Deposit Account
827
775*
795
802
Loss on sale and disposal of fixed assets
-
-1*
0
0
Revenue-Interchange And ATMIncome
270
380*
304
376
Gain on sale of loans
0
577*
0
0
Income from bank owned life insurance
496
257*
883
503
Servicing and related income on loans, net
51
197*
69
102
Other (losses), charges and fees
-93
615*
617
1,073
Total noninterest income
1,551
2,799*
2,668
2,856
Interest and fees on loans
47,970
49,214*
48,721
49,080
Interest on debt securities
3,528
1,981*
2,142
1,751
Interest on tax-exempted debt securities
297
300*
302
304
Interest on deposits at other financial institutions
2,424
4,578*
5,416
4,000
Interest and dividends on other interest-earning assets
713
449*
607
651
Total interest and dividend income
54,932
56,521*
57,188
55,786
Interest on now, money market and savings accounts
10,105
10,718*
12,159
11,390
Interest on time deposits
778
1,791*
1,402
1,550
Interest on borrowings
695
817*
1,112
1,429
Total interest expense
11,578
13,325*
14,673
14,369
Net interest income
43,354
43,196*
42,515
41,417
Provision for (reversal of) credit losses
714
-7,849*
-15
-634
Net interest income after provision for (reversal of) credit losses
42,640
51,045*
42,530
42,051
Salaries and employee benefits
15,544
20,108*
14,717
15,293
Occupancy and equipment
1,944
2,370*
2,060
2,094
Data processing and communications
2,079
1,992*
1,913
1,831
Legal, audit and professional
850
924*
843
972
Regulatory assessments
544
703*
508
545
Director and shareholder expenses
352
341*
353
395
Merger and related expenses
-
0*
0
0
Intangible asset amortization
800
947*
948
948
Litigation settlements, net
0
509*
-
-
Other real estate owned (income) expenses/losses
-
-
10
-
Other real estate owned expenses/gaines
201
-1,662*
-
862
Other expenses
2,032
2,491*
2,050
1,893
Total noninterest expense
24,346
28,721*
23,382
24,833
Income before income taxes
19,845
25,123*
21,816
20,074
Income tax expense
5,545
6,739*
6,132
5,975
Net income
14,300
18,384
15,684
14,099
Basic EPS
0.44
0.569
0.48
0.43
Diluted EPS
0.44
0.561
0.48
0.43
Basic Average Shares
32,155,912
32,297,537
32,451,576
32,423,935
Diluted Average Shares
32,395,945
32,741,371
32,811,827
32,685,132
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$47,970K
(-2.26%↓ Y/Y)
Interest on debt
securities
$3,528K
(101.48%↑ Y/Y)
Interest on deposits at
other financial...
$2,424K
(-39.40%↓ Y/Y)
Interest and dividends on
other...
$713K
(9.52%↑ Y/Y)
Interest on tax-exempted
debt securities
$297K
(-2.30%↓ Y/Y)
Total interest and
dividend income
$54,932K
(-1.53%↓ Y/Y)
Net interest income
$43,354K
(4.68%↑ Y/Y)
Revenue-Deposit Account
$827K
(3.12%↑ Y/Y)
Income from bank owned
life insurance
$496K
(-1.39%↓ Y/Y)
Revenue-Interchange And ATMIncome
$270K
(-28.19%↓ Y/Y)
Total interest
expense
$11,578K
(-19.42%↓ Y/Y)
Servicing and related
income on loans, net
$51K
(-50.00%↓ Y/Y)
Net interest income
after provision for...
$42,640K
(1.40%↑ Y/Y)
Total noninterest
income
$1,551K
(-45.69%↓ Y/Y)
Provision for (reversal
of) credit losses
$714K
(212.62%↑ Y/Y)
Other (losses),
charges and fees
-$93K
(-108.67%↓ Y/Y)
Interest on now, money
market and savings...
$10,105K
(-11.28%↓ Y/Y)
Interest on time deposits
$778K
(-49.81%↓ Y/Y)
Interest on borrowings
$695K
(-51.36%↓ Y/Y)
Income before income
taxes
$19,845K
(-1.14%↓ Y/Y)
Total noninterest
expense
$24,346K
(-1.96%↓ Y/Y)
Net income
$14,300K
(1.43%↑ Y/Y)
Income tax expense
$5,545K
(-7.20%↓ Y/Y)
Salaries and employee
benefits
$15,544K
(1.64%↑ Y/Y)
Data processing and
communications
$2,079K
(13.54%↑ Y/Y)
Other expenses
$2,032K
(7.34%↑ Y/Y)
Occupancy and equipment
$1,944K
(-7.16%↓ Y/Y)
Legal, audit and
professional
$850K
(-12.55%↓ Y/Y)
Intangible asset
amortization
$800K
(-15.61%↓ Y/Y)
Regulatory assessments
$544K
(-0.18%↓ Y/Y)
Director and shareholder
expenses
$352K
(-10.89%↓ Y/Y)
Other real estate
owned...
$201K
(-76.68%↓ Y/Y)
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California BanCorp CA (BCAL)
California BanCorp CA (BCAL)