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

Bank of San Francisco - Overview

  • General
  • FDIC Certificate #: 58069
    Status: Active
    Federal Reserve ID: 3357385
    Date Established: August 01, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 438784
    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: August 01, 2005
    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: 575 Market Street, Suite 2400, San Francisco, CA 94105
    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: $123.5 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $110.4 mil
    Return on assets (ROA): 0.44% ($0.5 mil)
    Quarterly return on assets: 0.28% ($0.3 mil)
    Return on Equity (ROE): 4.12% ($0.5 mil)
    Quarterly return on equity: 2.70% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.82% ($1,013.0 mil)
    Quarterly Pretax return on assets: 0.72% ($889.5 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
  • 20Total employees (full-time equivalent)
  • $123,538Total assets
  • $28,424Cash and due from depository institutions
  • $24,237Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $92,727Net loans & leases
  • $1,690Loan loss allowance
  • $0Trading account assets
  • $156Bank premises and fixed assets
  • $159Other real estate owned
  • $0Goodwill and other intangibles
  • $123,538Life insurance assets
  • $2,072All other assets
  • $110,760Total liabilities and capital
  • $110,434Total liabilities
  • $63,514Total deposits
  • $110,434Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $326Subordinated debt
  • $12,778All other liabilities
  • $12,778Total equity capital
  • $12,778Total bank equity capital
  • $0Perpetual preferred stock
  • $13,061Common stock
  • $0Surplus
  • $-283Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $290Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $293Income earned, not collected on loans
  • $0Earning assets
  • $279Long-term assets (5+ years)
  • $116,964Average Assets, year-to-date
  • $42,802Average Assets, quarterly
  • $113,372Volatile liabilities
  • $120,744Insider loans
  • $92,916FHLB advances
  • $120,934Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,230Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,209Restructured Loans and leases
  • $4,100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,146Total interest income
  • $318Total interest expense
  • $4,828Net interest income
  • $242Provision for loan and lease losses
  • $208Total noninterest income
  • $0Fiduciary activities
  • $159Service charges on deposit accounts
  • $0Trading account gains & fees
  • $49Additional noninterest income
  • $3,862Total noninterest expense
  • $2,274Salaries and employee benefits
  • $393Premises and equipment expense
  • $1,195Additional noninterest expense
  • $932Pre-tax net operating income
  • $0Securities gains (losses)
  • $430Applicable income taxes
  • $502Income before extraordinary items
  • $0Extraordinary gains - net
  • $502Net income attributable to bank
  • $0Net charge-offs
  • $502Cash dividends
  • $227Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.30%Cost of funding earning assets
  • 4.52%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 4.12%Return on equity (ROE)
  • 4.12%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 106.61%Credit loss provision to net charge-offs
  • 5.17%Efficiency ratio
  • 76,688Assets per employee
  • 6.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 576.79%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 83.97%Net loans and leases to core deposits
  • 90.44%Equity capital to assets
  • 10.34%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $113,372Average earning assets
  • $12,199Average equity
  • $106,733Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0438784Bank Of San Francisco575 Market Street, Suite 2400, San Francisco, CA 94105August 01, 2005Full Service Brick and Mortar

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