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


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

  • General
  • FDIC 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
    WWW: http://www.bankofamerica.com
    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
  • Location
  • Address: 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 Changes
  • Participated in Open Bank Assistance
  • Financial Summary
  • Total 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
  • 0Total employees (full-time equivalent)
  • $17,429,552Total assets
  • $252,615Cash and due from depository institutions
  • $247,820Interest-bearing balances
  • $0Securities
  • $2,099Federal funds sold & reverse repurchase agreements
  • $16,151,629Net loans & leases
  • $299,023Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $61,288Other real estate owned
  • $0Goodwill and other intangibles
  • $17,429,552Life insurance assets
  • $961,921All other assets
  • $15,422,379Total liabilities and capital
  • $9,396,400Total liabilities
  • $9,396,400Total deposits
  • $9,396,400Interest-bearing deposits
  • $0Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,850,000Trading liabilities
  • $0Other borrowed funds
  • $175,979Subordinated debt
  • $2,007,173All other liabilities
  • $2,007,173Total equity capital
  • $2,007,173Total bank equity capital
  • $0Perpetual preferred stock
  • $22,200Common stock
  • $1,354,026Surplus
  • $630,947Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,021,992Income earned, not collected on loans
  • $2,549Earning assets
  • $63,278Long-term assets (5+ years)
  • $16,401,548Average Assets, year-to-date
  • $12,076,552Average Assets, quarterly
  • $17,872,218Volatile liabilities
  • $16,236,590Insider loans
  • $10,124,672FHLB advances
  • $17,375,988Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,007,173Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,808Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $821,638Total interest income
  • $85,749Total interest expense
  • $735,889Net interest income
  • $145,429Provision for loan and lease losses
  • $21,907Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21,907Additional noninterest income
  • $59,730Total noninterest expense
  • $0Salaries and employee benefits
  • $0Premises and equipment expense
  • $59,730Additional noninterest expense
  • $552,637Pre-tax net operating income
  • $0Securities gains (losses)
  • $203,481Applicable income taxes
  • $349,156Income before extraordinary items
  • $0Extraordinary gains - net
  • $349,156Net income attributable to bank
  • $0Net charge-offs
  • $349,156Cash dividends
  • $251,028Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 1.95%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 3.09%Pretax return on assets
  • 19.16%Return on equity (ROE)
  • 19.16%Retained earnings to average equity (YTD only)
  • 1.50%Net charge-offs to loans
  • 57.93%Credit loss provision to net charge-offs
  • 2.78%Efficiency ratio
  • 7,882Assets per employee
  • 0.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 29.26%Noncurrent assets plus other real estate owned to assets
  • 6.22%Noncurrent loans to loans
  • 6.21%Net loans and leases to deposits
  • 171.89%Net loans and leases to core deposits
  • 171.89%Equity capital to assets
  • 11.52%Core capital (leverage) ratio
  • 11.55%Tier 1 risk-based capital ratio
  • 19.82%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $17,872,218Average earning assets
  • $1,822,239Average equity
  • $16,850,161Average loans

List of branches

  • 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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