First Federal Savings and Loan Association of San Rafael in city_name, state_name

First Federal Savings and Loan Association of San Rafael in San Rafael, California (CA)
Show street view No street view available for this location

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

No	ID	Name	Address	Established	Service Type
0	44240	First Federal Savings And Loan Assoc	1030 Third St, San Rafael, CA 94901	July 31, 1963	Full Service Brick and Mortar
1	284670	6058 College Avenue Branch	6058 College Avenue, Oakland, CA 94618	July 31, 1963	Full Service Brick and Mortar
2	284671	2009 Sir Francis Drake Boulvard Bran	2009 Sir Francis Drake Blvd, Fairfax, CA 94930	July 31, 1963	Full Service Brick and Mortar
3	284672	2521 San Bruno Avenue Branch	2521 San Bruno Avenue, San Francisco, CA 94134	July 31, 1963	Full Service Brick and Mortar
4	284673	2400 Chestnut Street Branch	2400 Chestnut Street, San Francisco, CA 94123	July 31, 1963	Full Service Brick and Mortar

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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