bcal: the income statement

MyFinsight

California BanCorp CA (BCAL)

For the quarter ending 2025-06-30, BCAL made $58,008K in revenue. $14,099K in net income. Net profit margin of 24.31%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30
Revenue-Interchange And ATMIncome	376
Revenue-Deposit Account	802
Other charges and fees	1,073
Loss on sale and disposal of fixed assets	-
Gain on sale of loans	-
Income from bank owned life insurance	503
Servicing and related income (expense) on loans, net	102
Total noninterest income	2,856
Legal, audit and professional	972
Other expenses	1,893
Occupancy and equipment	2,094
Director and shareholder expenses	395
Salaries and employee benefits	15,293
Regulatory assessments	545
Data processing and communications	1,831
Merger and related expenses	-
Intangible asset amortization	948
Other real estate owned expenses/losses	862
Total noninterest expense	24,833
Interest on time deposits	1,550
Interest on now, money market and savings accounts	11,390
Interest on borrowings	1,429
Total interest expense	14,369
Interest and dividends on other interest-earning assets	651
Interest on tax-exempted debt securities	304
Interest on deposits at other financial institutions	4,000
Interest on debt securities	1,751
Interest and fees on loans	49,080
Total interest and dividend income	55,786
Net interest income	41,417
(reversal of) provision for credit losses	-634
Net interest income after (reversal of) provision for credit losses	42,051
Income before income taxes	20,074
Income tax expense	5,975
Net income	14,099

Basic (in dollars per share)	0.43
Diluted (in dollars per share)	0.43
Weighted average common shares outstanding - basic (in shares)	32,423,935
Weighted average common shares outstanding - diluted (in shares)	32,685,132

Unit: Thousand (K) dollars (except for numbers of shares and EPS)