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


California Pacific Bank - Overview

  • General
  • FDIC Certificate #: 23242
    Status: Active
    Federal Reserve ID: 50461
    Date Established: October 16, 1980
    WWW: http://www.calpacificbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 16289
    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: October 16, 1980
    Last Structure Change Effective Date: Febuary 10, 2012
    Last Structure Change Process Date: Febuary 10, 2012
    Last Data Update: Febuary 10, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 250 Montgomery Street, 5th Floor, 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)
  • Financial Summary
  • Total assets: $102.6 mil
    Equity capital: $24.2 mil
    Deposits held in domestic offices: $77.6 mil
    Return on assets (ROA): 0.95% ($1.0 mil)
    Quarterly return on assets: 0.65% ($0.7 mil)
    Return on Equity (ROE): 4.06% ($1.0 mil)
    Quarterly return on equity: 2.85% ($0.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.67% ($1,713.9 mil)
    Quarterly Pretax return on assets: 1.40% ($1,436.8 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
  • 12Total employees (full-time equivalent)
  • $102,630Total assets
  • $9,103Cash and due from depository institutions
  • $7,963Interest-bearing balances
  • $820Securities
  • $29,000Federal funds sold & reverse repurchase agreements
  • $53,311Net loans & leases
  • $3,436Loan loss allowance
  • $0Trading account assets
  • $103Bank premises and fixed assets
  • $8,266Other real estate owned
  • $0Goodwill and other intangibles
  • $102,630Life insurance assets
  • $2,027All other assets
  • $78,423Total liabilities and capital
  • $77,606Total liabilities
  • $57,753Total deposits
  • $77,606Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $817Subordinated debt
  • $24,207All other liabilities
  • $24,207Total equity capital
  • $24,207Total bank equity capital
  • $0Perpetual preferred stock
  • $4,559Common stock
  • $482Surplus
  • $19,166Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,320Income earned, not collected on loans
  • $0Earning assets
  • $273Long-term assets (5+ years)
  • $91,094Average Assets, year-to-date
  • $1,033Average Assets, quarterly
  • $101,415Volatile liabilities
  • $105,440Insider loans
  • $82,782FHLB advances
  • $105,567Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,121Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,734Total interest income
  • $464Total interest expense
  • $3,270Net interest income
  • $350Provision for loan and lease losses
  • $581Total noninterest income
  • $0Fiduciary activities
  • $270Service charges on deposit accounts
  • $0Trading account gains & fees
  • $311Additional noninterest income
  • $1,809Total noninterest expense
  • $624Salaries and employee benefits
  • $182Premises and equipment expense
  • $1,003Additional noninterest expense
  • $1,692Pre-tax net operating income
  • $0Securities gains (losses)
  • $730Applicable income taxes
  • $962Income before extraordinary items
  • $0Extraordinary gains - net
  • $962Net income attributable to bank
  • $0Net charge-offs
  • $962Cash dividends
  • $403Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.04%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 1.96%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 4.06%Return on equity (ROE)
  • 4.06%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 86.85%Credit loss provision to net charge-offs
  • 5.07%Efficiency ratio
  • 46,975Assets per employee
  • 8.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.05%Loss allowance to noncurrent loans
  • 260.30%Noncurrent assets plus other real estate owned to assets
  • 9.34%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 68.69%Net loans and leases to core deposits
  • 99.80%Equity capital to assets
  • 23.59%Core capital (leverage) ratio
  • 22.93%Tier 1 risk-based capital ratio
  • 29.24%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $101,415Average earning assets
  • $23,683Average equity
  • $92,412Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016289California Pacific Bank250 Montgomery Street, 5th Floor, San Francisco, CA 94104October 16, 1980Full Service Brick and Mortar
    1256087Fremont Branch194 Francisco Lane, Suite 100, Fremont, CA 94539June 07, 1982Full Service Brick and Mortar

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