California International Bank N A : 4th Quarter -Dec.31, 2021 Call Report

Board of Governors of the Federal Reserve System	OMB Number 7100-0036
Federal Deposit Insurance Corporation	OMB Number 3064-0052
Office of the Comptroller of the Currency	OMB Number 1557-0081
	Approval expires December 31, 2024
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Federal Financial Institutions Examination Council

Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only and Total Assets Less than $5 Billion-FFIEC 051

Report at the close of business December 31, 2021	(20211231)
This report is required by law: 12 U.S.C. §324 (State member banks);	(RCON 9999)
This report form is to be filed by banks with domestic offices only and total assets
12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161 (National	less than $5 billion, except such banks that (1) are advanced approaches institutions
banks); and 12 U.S.C. §1464 (Savings associations).	or are subject to Category III captial standards for regulatory capital purposes,
		(2) are large or highly complex institutions for deposit insurance assessment
Unless the context indicates otherwise, the term "bank" in this	purposes, or (3) have elected, or have been required by their primary federal
report form refers to both banks and savings associations.	regulator, to file the FFIEC 041.
NOTE: Each bank's board of directors and senior management are	schedules) for this report date have been prepared in conformance
responsible for establishing and maintaining an effective system of	with the instructions issued by the appropriate Federal regulatory
internal control, including controls over the Reports of Condition and	authority and are true and correct to the best of my knowledge and
Income. The Reports of Condition and Income are to be prepared in	belief.
accordance with federal regulatory authority instructions. The Reports
of Condition and Income must be signed by the Chief Financial	We, the undersigned directors (trustees), attest to the correctness of
Officer (CFO) of the reporting bank (or by the individual performing an	the Reports of Condition and Income (including the supporting schedules)
equivalent function) and attested to by not less than two directors	for this report date and declare that the Reports of Condition and
(trustees) for state nonmember banks and three directors for state	Income have been examined by us and to the best of our knowledge
member banks, national banks, and savings associations.	and belief have been prepared in conformance with the instructions
		issued by the appropriate Federal regulatory authority and are true
I, the undersigned CFO (or equivalent) of the named bank, attest	and correct.
that the Reports of Condition and Income (including the supporting
		Director (Trustee)
Signature of Chief Financial Officer (or Equivalent)	Director (Trustee)
Date of Signature	Director (Trustee)

Submission of Reports

Each bank must file its Reports of Condition and Income (Call Report) data by either:

1. Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC's Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or
2. Completing its Call Report in paper form and arranging with

a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank's data file to the CDR.

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank's completed signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank's hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC's sample report forms, but should show at least the caption of each Call Report item and the reported amount.

California International Bank, N.A.

Legal Title of Bank (RSSD 9017)

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at [phone], or by e-mail at [e-mail].

Westminster

City (RSSD 9130)
CA	92683
State Abbreviation (RSSD 9200)	Zip Code (RSSD 9220)

FDIC Certificate Number	57974	Legal Entity Identifier (LEI)
	(RSSD 9050)	(Report only if your institution already has an LEI.)(RCON 9224)

The estimated average burden associated with this information collection is 35.38 hours per respondent and is expected to vary by institution, depending on

individual circumstances. Burden estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and maintaining business records in the normal course of a respondent's activities. A Federal agency may not conduct or sponsor,

and an organization(or a person) is not required to respond to a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget,Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the Federal Reserve System,20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.

FFIEC 051

Page 2 of 65

Consolidated Reports of Condition and Income for a Bank with

Domestic Offices Only and Total Assets Less than $5 Billion

Table of Contents

Signature Page	1	Schedule RC-E - Deposit Liabilities ______________________________ RC-13, 14
Contact Information__________________________________ 3, 4	Schedule RC-F - Other Assets ____________________________________ RC-15
Report of Income		Schedule RC-G - Other Liabilities ______________________________________ RC-15
Schedule RI - Income Statement _______________________ RI-1, 2, 3	Schedule RC-K - Quarterly Averages __________________________________ RC-16
Schedule RI-A - Changes in Bank Equity Capital _______________ RI-4	Schedule RC-L - Off-Balance-Sheet Items ___________________________RC-17
Schedule RI-B - Charge-offs and Recoveries on	Schedule RC-M - Memoranda ___________________________RC-18, 19, 20, 21
Loans and Leases and Changes in Allowances
for Credit Losses:		Schedule RC-N - Past Due and Nonaccrual
Part I. Charge-offs and Recoveries on Loans and	Loans, Leases, and Other Assets ______________________ RC-22, 23, 24, 25
Leases _____________________________________________ RI-4, 5
Part II. Changes in Allowances for Credit	Schedule RC-O - Other Data for Deposit
Losses _______________________________________________ RI-6	Insurance Assessments ____________________________________RC-26, 27
Schedule RI-C-Disaggregated Data on the	Schedule RC-R - Regulatory Capital:
Allowance for Loan and Lease Losses (to be	Part I. Regulatory Capital Components
completed only by selected banks)__________________________ RI-7	and Ratios_____________________________________________ RC-28, 29, 30,31
		Part II. Risk-Weighted Assets ____________________________________RC-32,
Schedule RI-E - Explanations ____________________________ RI-8, 9	33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45
Report of Condition		Schedule RC-T - Fiduciary and Related
Schedule RC - Balance Sheet ____________________________ RC-1, 2	Services _________________________________________ RC- 46, 47, 48, 49
Schedule RC-B - Securities	___________________________ RC-3, 4, 5	Schedule SU-Supplemental Information__________________________ SU-1, 2
Schedule RC-C - Loans and Lease Financing	Optional Narrative Statement Concerning
Receivables:		the Amounts Reported in the Consolidated Reports
Part I. Loans and Leases_________________________RC- 6, 7, 8, 9, 10	of Condition and Income_____________________________ ___________ SU-3

Part II. Loans to Small Businesses and

Small Farms____________________________________ RC-11, 12

For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC's Data Collection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday through Friday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.

FFIEC 051

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Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank - other than the Chief Financial Officer (or equivalent) - to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter "none" for the contact's e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing the Reports

Josefina M. Guevara

Name (TEXT C490)

EVP/CFO

Title (TEXT C491)

[e-mail]

E-mail Address (TEXT C492)

[phone]

Area Code/Phone Number/Extension (TEXT C493)

[phone]

Area Code/FAX Number (TEXT C494)

Other Person to Whom Questions about the Reports Should be Directed

Thanh Pham

Name (TEXT C495)

President & COO

Title (TEXT C496)

[e-mail]

E-mail Address (TEXT 4086)

[phone]

Area Code/Phone Number/Extension (TEXT 8902)

[phone]

Area code/FAX Number (TEXT 9116)

Chief Executive Officer Contact Information

This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not be released to the public.

Chief Executive Officer

John G. Briner	[phone]
Name (TEXT FT42 )		Area Code/Phone Number/Extension (TEXT FT43)
[e-mail]	[phone]
E-mail Address (TEXT FT44)		Area Code/FAX Number (TEXT FT45)
Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter "none" for the contact's e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact

Thanh Pham

Name (TEXT C366)

President & COO

Title (TEXT C367)

[e-mail]

E-mail Address (TEXT C368)

[phone]

Area Code/Phone Number/Extension (TEXT C369)

[phone]

Secondary Contact

John G. Briner

Name (TEXT C371)

Chief Executive Officer

Title (TEXT C372)

[e-mail]

E-mail Address (TEXT C373)

[phone]

Area Code/Phone Number/Extension (TEXT C374)

[phone]

Area Code/FAX Number (TEXT C370)

Area Code/FAX Number (TEXT C375)

FFIEC 051

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USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank's USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank's option. Enter "none" for the contact's e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.

Primary Contact

Mai Tran

Name (TEXT C437)

Acting BSA Officer

Title (TEXT C438)

[e-mail]

E-mail Address (TEXT C439)

[phone]

Area Code/Phone Number/Extension (TEXT C440)

Secondary Contact

Ming Sui Chang

Name (TEXT C442)

Vice President

Title (TEXT C443)

[e-mail]

E-mail Address (TEXT C444)

[phone]

Area Code/Phone Number/Extension (TEXT C445)

Third Contact

Kenny Bui

Name (TEXT C870)

VP/Operations Administrator

Title (TEXT C871)

[e-mail]

E-mail Address (TEXT C872)

[phone]

Area Code/Phone Number/Extension (TEXT C873)

Fourth Contact

Thanh Pham

Name (TEXT C875)

President & COO

Title (TEXT C876)

[e-mail]

E-mail Address (TEXT C877)

[phone]

Area Code/Phone Number/Extension (TEXT C878)

California International Bank, N.A.		FFIEC 051
Legal Title of Bank			Page 5 of 65
Westminster			RI-1
City
CA		92683
State		Zip Code
FDIC Certificate Number:	57974
Printed on 2/7/2022 at 3:06 PM

Consolidated Report of Income

for the period January 1, 2021 - December 31, 2021 Schedule RI-Income Statement

	Dollar Amounts in Thousands		RIAD	Amount
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
	(a) Loans secured by 1-4 family residential properties				4435	2
	(b) All other loans secured by real estate				4436	1,538
(2) Commercial and industrial loans				4012	1,424
(3) Loans to individuals for household, family, and other personal expenditures:
	(a) Credit cards				B485	0
	(b) Other (includes revolving credit plans other than credit cards, automobile loans, and
	other consumer loans) ______________________________________________________________________	B486	0
(4) Not applicable
(5) All other loans (1)				4058	44
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))				4010	3,008
b. Income from lease financing receivables				4065	0
c. Interest income on balances due from depository institutions (2)				4115	46
d. Interest and dividend income on securities:
	(1) U.S. Treasury securities and U.S. Government agency obligations
	(excluding mortgage-backed securities)				B488	0
	(2) Mortgage-backed securities				B489	5
	(3) All other securities (includes securities issued by states and
	political subdivisions in the U.S.)				4060	0
e. Not applicable
f. Interest income on federal funds sold and securities purchased under agreements to resell				4020	2
g. Other interest income				4518	34
h. Total interest income (sum of items 1.a.(6) through 1.g)				4107	3,095
2. Interest expense:
a. Interest on deposits:
	(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,
	and telephone and preauthorized transfer accounts)				4508	0
	(2) Nontransaction accounts:
	(a) Savings deposits (includes MMDAs) ____________________________________________________________	0093	17
	(b) Time deposits of $250,000 or less				HK03	338
	(c) Time deposits of more than $250,000				HK04	97
b. Expense of federal funds purchased and securities sold under agreements to repurchase______________________	4180	0
c. Other interest expense ___________________________________________________________________________	GW44	30
d. Not applicable
e. Total interest expense (sum of items 2.a through 2.c)	4073		482
3. Net interest income (item 1.h minus 2.e)				4074	2,613
4. Provision for loan and lease losses(3)____________________________________________________________________	JJ33	0

1.a.(1)(a)

1.a.(1)(b)

1.a.(2)

1.a.(3)(a)

1.a.(3)(b)

1.a.(5)

1.a.(6)

1.b.

1.c.

1.d.(1)

1.d.(2)

1.d.(3)

1.f.

1.g.

1.h.

2.a.(1)

2.a.(2)(a)

2.a.(2)(b)

2.a.(2)(c)

2.b.

2.c.

2.e.

3.

4.

(1)Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agricultural production and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.," and "Loans to nondepository financial institutions and other loans."

1. Includes interest income on time certificates of deposit not held for trading.
2. Institutions that have adopted ASU 2016-13 should report in item 4 the provisions for credit losses on all financial assets and off-balance-sheet credit exposures that fall within the scope of the standard.