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
    WWW: http://www.bankofsf.com
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of San Francisco.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents