CBB Bancorp : Call Report

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

Page 3 of 65

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

Douglas Goddard

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

Jeesoo Sohn

Name (TEXT C495)

SVP & Controller

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

James Hong	[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

James Hong

Name (TEXT C366)

President & CEO

Title (TEXT C367)

[e-mail]

E-mail Address (TEXT C368)

[phone]

Area Code/Phone Number/Extension (TEXT C369)

[phone]

Secondary Contact

Douglas Goddard

Name (TEXT C371)

EVP & CFO

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

Michael Trieu

Name (TEXT C437)

BSA Manager

Title (TEXT C438)

[e-mail]

E-mail Address (TEXT C439)

[phone] Ext. 1510

Area Code/Phone Number/Extension (TEXT C440)

Secondary Contact

Andrew Oh

Name (TEXT C442)

BSA Team Lead

Title (TEXT C443)

[e-mail]

E-mail Address (TEXT C444)

[phone] Ext. 1379

Area Code/Phone Number/Extension (TEXT C445)

Third Contact

Name (TEXT C870)

Title (TEXT C871)

E-mail Address (TEXT C872)

Area Code/Phone Number/Extension (TEXT C873)

Fourth Contact

Name (TEXT C875)

Title (TEXT C876)

E-mail Address (TEXT C877)

Area Code/Phone Number/Extension (TEXT C878)

Commonwealth Business Bank		FFIEC 051
Legal Title of Bank			Page 5 of 65
Los Angeles			RI-1
City
CA		90010
State		Zip Code
FDIC Certificate Number:	57873
Printed on 7/27/2022 at 12:27 PM -	Submitted to CDR on 7/27/2022 at 12:27 PM

Consolidated Report of Income

for the period January 1, 2022 - June 30, 2022 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	1,636
	(b) All other loans secured by real estate			4436	27,190
(2) Commercial and industrial loans			4012	4,106
(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	63
(4) Not applicable
(5) All other loans (1)			4058	0
(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))			4010	32,995
b. Income from lease financing receivables			4065	0
c. Interest income on balances due from depository institutions (2)			4115	740
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	377
	(3) All other securities (includes securities issued by states and
	political subdivisions in the U.S.)			4060	479
e. Not applicable
f. Interest income on federal funds sold and securities purchased under agreements to resell			4020	0
g. Other interest income			4518	248
h. Total interest income (sum of items 1.a.(6) through 1.g)			4107	34,839
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	7
	(2) Nontransaction accounts:
	(a) Savings deposits (includes MMDAs) ____________________________________________________________	0093	860
	(b) Time deposits of $250,000 or less			HK03	873
	(c) Time deposits of more than $250,000			HK04	588
b. Expense of federal funds purchased and securities sold under agreements to repurchase______________________	4180	0
c. Other interest expense ___________________________________________________________________________	GW44	233
d. Not applicable
e. Total interest expense (sum of items 2.a through 2.c)	4073	2,561
3. Net interest income (item 1.h minus 2.e)			4074	32,278
4. Provision for loan and lease losses(3)____________________________________________________________________	JJ33	433

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.