California BanCorp. (BCAL)

California BanCorp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	202.09	159.96	113.95	86.37	66.21	50.48
Interest Income on Investments	27.21	19.84	9.57	7.21	1.56	1.34
Total Interest Income	229.3	179.8	123.52	93.58	67.77	51.82
Interest Paid on Deposits	58.91	52.76	26.87	4.59	2.05	3.88
Interest Paid on Borrowings	5.24	4.05	2.52	1.2	1.31	1.99
Total Interest Expense	64.14	56.81	29.38	5.79	3.36	5.87
Net Interest Income	165.16	122.98	94.14	87.79	64.41	45.95
Net Interest Income Growth (YoY)	89.13%	30.64%	7.24%	36.29%	40.19%	48.91%
Gain (Loss) on Sale of Assets	-0	-0.02	-	-0.77	-0	-0.09
Gain (Loss) on Sale of Investments	-	-	-0.97	-0.99	0.05	0.57
Other Non-Interest Income	4.03	2.98	2.32	3.07	2.73	1.25
Total Non-Interest Income	7.23	4.39	3.38	3.68	4.51	2.3
Non-Interest Income Growth (YoY)	119.48%	29.98%	-8.05%	-18.59%	96.60%	17.49%
Revenues Before Loan Losses	172.39	127.38	97.52	91.46	68.93	48.24
Provision for Loan Losses	14.72	21.69	0.92	5.96	1.2	4.55
Revenue	157.67	105.69	96.6	85.51	67.73	43.69
Revenue Growth (YoY)	80.55%	9.40%	12.98%	26.25%	55.02%	37.35%
Salaries and Employee Benefits	55.27	43.6	34.73	33.39	29.38	19.04
Occupancy Expenses	4.99	3.64	3.2	3.46	3.12	1.47
Amortization of Goodwill & Intangibles	3.64	1.88	0.39	0.44	0.36	0.39
Selling, General & Administrative	21.93	18.27	16.01	14.58	14.33	9.82
Other Non-Interest Expense	9.95	7.49	5.28	4.95	3.9	3.96
Total Non-Interest Expense	96.93	80.13	59.61	56.82	51.09	34.67
EBT Excluding Unusual Items	60.74	25.56	36.99	28.69	16.64	9.02
Asset Writedown	-0.08	-0.08	-0.13	-	-	-
Legal Settlements	-	-	-	-5.53	-	-
Other Unusual Items	-1.3	-1.3	-	-	-	-
Pretax Income	44.48	8.26	36.86	21.98	14.19	6.77
Income Tax Expense	13.22	2.83	10.95	5.87	3.48	2.05
Net Income	31.26	5.43	25.91	16.11	10.71	4.72
Net Income to Common	31.26	5.43	25.91	16.11	10.71	4.72
Net Income Growth	94.25%	-79.03%	60.80%	50.46%	126.79%	-30.28%
Basic Shares Outstanding	31	24	18	18	14	9
Diluted Shares Outstanding	32	25	19	18	15	10
Shares Change (YoY)	68.36%	31.98%	2.35%	22.23%	53.73%	12.38%
EPS (Basic)	1.00	0.22	1.42	0.90	0.74	0.50
EPS (Diluted)	0.99	0.22	1.39	0.88	0.72	0.49
EPS Growth	15.70%	-84.17%	57.95%	22.22%	46.94%	-37.18%
Effective Tax Rate	29.72%	34.25%	29.70%	26.70%	24.51%	30.23%

Updated Jul 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q