First Federal Savings and Loan Association of San Rafael in San Rafael, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Federal Savings and Loan Association of San Rafael in San Rafael, California (CA)
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First Federal Savings and Loan Association of San Rafael - Overview

  • General
  • FDIC Certificate #: 31406
    Status: Active
    Federal Reserve ID: 229070
    Date Established: July 31, 1963
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 6896
    FDIC's unique #: 44240
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Commercial Lending Specialization
    Date of Deposit Insurance: July 31, 1963
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1030 Third St, San Rafael, CA 94901
    County: Marin
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $168.5 mil
    Equity capital: $35.3 mil
    Deposits held in domestic offices: $131.8 mil
    Return on assets (ROA): 0.64% ($1.1 mil)
    Quarterly return on assets: 0.60% ($1.0 mil)
    Return on Equity (ROE): 3.17% ($1.1 mil)
    Quarterly return on equity: 2.87% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.07% ($1,803.1 mil)
    Quarterly Pretax return on assets: 0.99% ($1,668.3 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
  • 34Total employees (full-time equivalent)
  • $168,517Total assets
  • $25,625Cash and due from depository institutions
  • $25,194Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $139,723Net loans & leases
  • $880Loan loss allowance
  • $0Trading account assets
  • $436Bank premises and fixed assets
  • $94Other real estate owned
  • $0Goodwill and other intangibles
  • $168,517Life insurance assets
  • $2,639All other assets
  • $133,183Total liabilities and capital
  • $131,761Total liabilities
  • $131,380Total deposits
  • $131,761Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $750Trading liabilities
  • $0Other borrowed funds
  • $672Subordinated debt
  • $35,334All other liabilities
  • $35,334Total equity capital
  • $35,334Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $35,334Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $594Long-term assets (5+ years)
  • $164,917Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $171,944Volatile liabilities
  • $169,244Insider loans
  • $114,754FHLB advances
  • $168,517Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,769Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,946Total interest income
  • $1,817Total interest expense
  • $7,129Net interest income
  • $0Provision for loan and lease losses
  • $38Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $38Additional noninterest income
  • $5,321Total noninterest expense
  • $3,529Salaries and employee benefits
  • $1,227Premises and equipment expense
  • $565Additional noninterest expense
  • $1,846Pre-tax net operating income
  • $0Securities gains (losses)
  • $744Applicable income taxes
  • $1,102Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,102Net income attributable to bank
  • $0Net charge-offs
  • $1,102Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 3.17%Return on equity (ROE)
  • 3.17%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,243Assets per employee
  • 4.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.63%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 106.04%Net loans and leases to core deposits
  • 112.14%Equity capital to assets
  • 20.97%Core capital (leverage) ratio
  • 20.97%Tier 1 risk-based capital ratio
  • 30.79%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $171,944Average earning assets
  • $34,798Average equity
  • $168,238Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044240First Federal Savings And Loan Assoc1030 Third St, San Rafael, CA 94901July 31, 1963Full Service Brick and Mortar
    12846706058 College Avenue Branch6058 College Avenue, Oakland, CA 94618July 31, 1963Full Service Brick and Mortar
    22846712009 Sir Francis Drake Boulvard Bran2009 Sir Francis Drake Blvd, Fairfax, CA 94930July 31, 1963Full Service Brick and Mortar
    32846722521 San Bruno Avenue Branch2521 San Bruno Avenue, San Francisco, CA 94134July 31, 1963Full Service Brick and Mortar
    42846732400 Chestnut Street Branch2400 Chestnut Street, San Francisco, CA 94123July 31, 1963Full Service Brick and Mortar

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