Southern California Bancorp (BCAL) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 42.08M | 42.91M | 42.52M | 41.42M | 42.26M | 44.54M | 36.94M | 21.01M | 20.49M | 22.56M | 23.26M | 23.43M |
| NII Growth % | -0.4% | -3.67% | 15.09% | 97.16% | 106.18% | 97.44% | 58.82% | -10.33% | -17.67% | -10.72% | -2.21% | 11.89% |
| Net Interest Margin % | 1.04% | 1.06% | 1.04% | 1.05% | 1.06% | 1.1% | 0.85% | 0.92% | 0.9% | 0.96% | 1.01% | 1.01% |
| Interest Income | 53.78M | 56.18M | 57.19M | 55.79M | 56.83M | 62.56M | 54.13M | 31.85M | 31.26M | 32.57M | 31.48M | 30.26M |
| Interest Expense | 11.7M | 13.28M | 14.67M | 14.37M | 14.57M | 18.02M | 17.18M | 10.84M | 10.77M | 10.01M | 8.22M | 6.83M |
| Loan Loss Provision | -381K | -4.4M | -15K | -634K | -3.78M | -3.83M | 22.96M | 2.89M | -331K | 824K | -96K | -15K |
| Non-Interest Income | 2.14M | 3M | 2.67M | 2.86M | 2.57M | 1M | 1.17M | 1.19M | 1.41M | -102K | 815K | 1.1M |
| Non-Interest Income % | 3.82% | 5.06% | 4.46% | 4.87% | 4.32% | 1.58% | 2.12% | 3.6% | 4.32% | -0.31% | 2.52% | 3.5% |
| Total Revenue | 55.92M | 59.18M | 59.86M | 58.64M | 59.39M | 63.56M | 55.3M | 33.04M | 32.68M | 32.47M | 32.3M | 31.36M |
| Revenue Growth % | -5.84% | -6.9% | 8.24% | 77.5% | 81.75% | 95.77% | 71.22% | 5.36% | 6.17% | 14.6% | 21.93% | 35.68% |
| Non-Interest Expense | 25.51M | 27.91M | 23.38M | 24.83M | 24.92M | 26.13M | 37.68M | 19.02M | 14.98M | 15.34M | 14.78M | 14.61M |
| Efficiency Ratio | 45.62% | 47.16% | 39.06% | 42.35% | 41.96% | 41.1% | 68.14% | 57.58% | 45.85% | 47.24% | 45.76% | 46.58% |
| Operating Income | 19.09M | 22.39M | 21.82M | 20.07M | 23.68M | 23.25M | -22.53M | 278K | 7.26M | 6.29M | 9.39M | 9.93M |
| Operating Margin % | 34.14% | 37.84% | 36.45% | 34.23% | 39.87% | 36.59% | -40.74% | 0.84% | 22.21% | 19.39% | 29.08% | 31.67% |
| Operating Income Growth % | -19.37% | -3.72% | 196.84% | 7120.86% | 226.26% | 269.48% | -339.88% | -97.2% | -35.44% | -45.72% | -0.46% | 1052.97% |
| Pretax Income | 19.09M | 22.39M | 21.82M | 20.07M | 23.68M | 23.25M | -22.53M | 278K | 7.26M | 6.29M | 9.39M | 9.93M |
| Pretax Margin % | 34.14% | 37.84% | 36.45% | 34.23% | 39.87% | 36.59% | -40.74% | 0.84% | 22.21% | 19.39% | 29.08% | 31.67% |
| Income Tax | 5.3M | 5.97M | 6.13M | 5.97M | 6.82M | 6.48M | -6.06M | 88K | 2.32M | 1.88M | 2.83M | 3.21M |
| Effective Tax Rate % | 27.76% | 26.65% | 28.11% | 29.76% | 28.82% | 27.88% | 26.91% | 31.65% | 32% | 29.9% | 30.19% | 32.35% |
| Net Income | 13.79M | 16.42M | 15.68M | 14.1M | 16.85M | 16.77M | -16.46M | 190K | 4.93M | 4.41M | 6.56M | 6.72M |
| Net Margin % | 24.66% | 27.75% | 26.2% | 24.04% | 28.38% | 26.39% | -29.77% | 0.58% | 15.1% | 13.59% | 20.3% | 21.42% |
| Net Income Growth % | -18.17% | -2.09% | 195.26% | 7320.53% | 241.5% | 280.15% | -351.13% | -97.17% | -39.99% | -47.93% | -5.38% | 1012.77% |
| Net Income (Continuing) | 13.79M | 16.42M | 15.68M | 14.1M | 16.85M | 16.77M | -16.46M | 190K | 4.93M | 4.41M | 6.56M | 6.72M |
| EPS (Diluted) | 0.42 | 0.50 | 0.48 | 0.43 | 0.52 | 0.51 | -0.59 | 0.01 | 0.26 | 0.24 | 0.35 | 0.36 |
| EPS Growth % | -19.23% | -1.96% | 181.36% | 4200% | 100% | 112.5% | -268.57% | -97.22% | -40.91% | -47.83% | -7.89% | 1000% |
| EPS (Basic) | 0.43 | 0.51 | 0.48 | 0.43 | 0.52 | 0.52 | -0.59 | 0.01 | 0.27 | 0.24 | 0.35 | 0.37 |
| Diluted Shares Outstanding | 32.68M | 32.79M | 32.81M | 32.69M | 32.7M | 32.7M | 27.71M | 18.8M | 18.8M | 18.73M | 18.73M | 18.66M |