America California Bank in San Francisco, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

America California Bank - Overview

  • General
  • FDIC Certificate #: 20726
    Status: Active
    Federal Reserve ID: 645661
    Date Established: June 23, 1972
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13979
    FDIC's unique #: 14316
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 23, 1972
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 417 Montgomery Street, San Francisco, CA 94104
    County: San Francisco
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $122.8 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $95.5 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: 0.33% ($0.4 mil)
    Return on Equity (ROE): 0.73% ($0.1 mil)
    Quarterly return on equity: 2.64% ($0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.09% ($110.5 mil)
    Quarterly Pretax return on assets: 0.33% ($405.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $122,800Total assets
  • $21,174Cash and due from depository institutions
  • $20,720Interest-bearing balances
  • $448Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $93,746Net loans & leases
  • $1,835Loan loss allowance
  • $0Trading account assets
  • $406Bank premises and fixed assets
  • $1,267Other real estate owned
  • $0Goodwill and other intangibles
  • $122,800Life insurance assets
  • $5,759All other assets
  • $107,451Total liabilities and capital
  • $95,516Total liabilities
  • $87,097Total deposits
  • $95,516Interest-bearing deposits
  • $64Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,500Trading liabilities
  • $0Other borrowed funds
  • $1,435Subordinated debt
  • $15,349All other liabilities
  • $15,349Total equity capital
  • $15,349Total bank equity capital
  • $3,884Perpetual preferred stock
  • $10,096Common stock
  • $0Surplus
  • $1,369Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,472Income earned, not collected on loans
  • $0Earning assets
  • $518Long-term assets (5+ years)
  • $114,914Average Assets, year-to-date
  • $22,800Average Assets, quarterly
  • $120,919Volatile liabilities
  • $122,334Insider loans
  • $95,155FHLB advances
  • $120,362Loans and leases held for sale
  • $3,139Unused loan commitments
  • $3,139Tier 1 (core) risk-based capital
  • $14,805Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,742Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,826Total interest income
  • $2,103Total interest expense
  • $3,723Net interest income
  • $175Provision for loan and lease losses
  • $477Total noninterest income
  • $0Fiduciary activities
  • $259Service charges on deposit accounts
  • $0Trading account gains & fees
  • $218Additional noninterest income
  • $3,916Total noninterest expense
  • $2,058Salaries and employee benefits
  • $498Premises and equipment expense
  • $1,360Additional noninterest expense
  • $109Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $109Income before extraordinary items
  • $0Extraordinary gains - net
  • $109Net income attributable to bank
  • $0Net charge-offs
  • $109Cash dividends
  • $1,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 1.88%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • 0.73%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 17.50%Credit loss provision to net charge-offs
  • 0.28%Efficiency ratio
  • 93,238Assets per employee
  • 5.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 74.23%Noncurrent assets plus other real estate owned to assets
  • 3.04%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 98.15%Net loans and leases to core deposits
  • 130.72%Equity capital to assets
  • 12.50%Core capital (leverage) ratio
  • 12.30%Tier 1 risk-based capital ratio
  • 15.56%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $120,919Average earning assets
  • $14,865Average equity
  • $111,744Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014316America California Bank417 Montgomery Street, San Francisco, CA 94104June 23, 1972Full Service Brick and Mortar

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