Bank of America California, National Association in San Francisco, California (CA)

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Bank of America California, National Association
GeneralFDIC Certificate #: 25178
Status: Active
Federal Reserve ID: 1443266
Bank Holding Company (Regulatory Top Holder): Bank Of America Corporation (RSSDID: 1073757, Location: Charlotte, NC)
Date Established: May 18, 1984
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 12449
FDIC's unique #: 17425
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: May 18, 1984
Last Structure Change Effective Date: January 16, 2009
Last Structure Change Process Date: November 24, 2009
Last Data Update: November 24, 2009
Data Source Date: April 05, 2012
LocationAddress: 555 California Street, San Francisco, CA 94104
County: San Francisco
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: Washington
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 ChangesParticipated in Open Bank Assistance
Financial SummaryTotal assets: $17,429.6 mil
Equity capital: $2,007.2 mil
Deposits held in domestic offices: $9,396.4 mil
Return on assets (ROA): 1.95% ($339.9 mil)
Quarterly return on assets: 2.73% ($475.8 mil)
Return on Equity (ROE): 19.16% ($384.5 mil)
Quarterly return on equity: 22.74% ($456.4 mil)
Net income: $349.2 mil
Quarterly Net income: $111.0 mil
Pretax return on assets: 3.09% ($538,573.2 mil)
Quarterly Pretax return on assets: 4.30% ($749,470.7 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)
Total employees (full-time equivalent)0
Total assets$17,429,552
Cash and due from depository institutions$252,615
Interest-bearing balances$247,820
Federal funds sold & reverse repurchase agreements$2,099
Net loans & leases$16,151,629
Loan loss allowance $299,023
Trading account assets$0
Bank premises and fixed assets$0
Other real estate owned$61,288
Goodwill and other intangibles$0
All other assets$961,921
Life insurance assets$17,429,552
Total liabilities and capital$15,422,379
Total liabilities$9,396,400
Total deposits$9,396,400
Interest-bearing deposits$9,396,400
Deposits held in domestic offices$0
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,850,000
Other borrowed funds $0
Subordinated debt $175,979
All other liabilities $2,007,173
Total equity capital$2,007,173
Total bank equity capital$2,007,173
Perpetual preferred stock$0
Common stock$22,200
Undivided profits $630,947
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,021,992
Earning assets $2,549
Long-term assets (5+ years) $63,278
Average Assets, year-to-date $16,401,548
Average Assets, quarterly $12,076,552
Volatile liabilities $17,872,218
Insider loans $16,236,590
FHLB advances $10,124,672
Loans and leases held for sale $17,375,988
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,007,173
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,808
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $821,638
Total interest expense $85,749
Net interest income $735,889
Provision for loan and lease losses $145,429
Total noninterest income $21,907
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $21,907
Total noninterest expense $59,730
Salaries and employee benefits $0
Premises and equipment expense $0
Additional noninterest expense $59,730
Pre-tax net operating income $552,637
Securities gains (losses) $0
Applicable income taxes $203,481
Income before extraordinary items $349,156
Extraordinary gains - net $0
Net income attributable to bank $349,156
Net charge-offs $0
Cash dividends $349,156
Sale, conversion, retirement of capital stock, net $251,028
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 0.51%
Net interest margin 4.37%
Noninterest income to earning assets 0.13%
Noninterest expense to earning assets 0.35%
Net operating income to assets 1.95%
Return on assets (ROA) 1.95%
Pretax return on assets 3.09%
Return on equity (ROE) 19.16%
Retained earnings to average equity (YTD only) 19.16%
Net charge-offs to loans 1.50%
Credit loss provision to net charge-offs 57.93%
Efficiency ratio2.78%
Assets per employee$7,882
Cash dividends to net income (YTD only)0.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 29.26%
Noncurrent loans to loans 6.22%
Net loans and leases to deposits6.21%
Net loans and leases to core deposits 171.89%
Equity capital to assets 171.89%
Core capital (leverage) ratio 11.52%
Tier 1 risk-based capital ratio 11.55%
Total risk-based capital ratio 19.82%
Average assets$21
Average earning assets$17,872,218
Average equity $1,822,239
Average loans $16,850,161
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1 California Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017425Bank Of America California, National Association555 California Street, San Francisco, CA 94104May 18, 1984Full Service Brick and Mortar
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