Bank Holding Company Reports Net Income Rise

California Commercial Bankshares, holding company for 3 1/2-year-old National Bank of Southern California in Santa Ana, said net income rose more than 20% in both the second quarter and the first half of 1986.

The company’s quarterly net income of $275,160 was up 22.4% from $224,789, while six-month earnings of $463,822 were up 23.4% from $375,982.

The bank holding company also grew 31.5% to $106.1 million in total assets as of June 30 from $80.7 million a year earlier.

National Bank of Southern California, which accounts for nearly all of the company’s assets and income, competes in the crowded business banking niche, earmarking for its customer base business and professionals with annual revenue of up to $25 million, said William H. Jacoby, president of the holding company and the bank.