Pacific Coast Bankers' Bank in San Francisco, California (CA)

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Pacific Coast Bankers' Bank
GeneralFDIC Certificate #: 34252
Status: Active
Federal Reserve ID: 2451240
Bank Holding Company (Regulatory Top Holder): Pacific Coast Bankers' Bancshares (RSSDID: 2731586, Location: San Francisco, CA)
Date Established: January 02, 1997
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 57011
Numeric code: 13
Regulator: FED
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: January 02, 1997
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
LocationAddress: 340 Pine Street, 4th 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)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $615.1 mil
Equity capital: $68.6 mil
Deposits held in domestic offices: $462.3 mil
Return on assets (ROA): 0.56% ($3.4 mil)
Quarterly return on assets: 0.69% ($4.2 mil)
Return on Equity (ROE): 5.17% ($3.6 mil)
Quarterly return on equity: 6.57% ($4.5 mil)
Net income: $3.4 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.94% ($5,781.7 mil)
Quarterly Pretax return on assets: 1.12% ($6,888.8 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)
Total employees (full-time equivalent)70
Total assets$615,073
Cash and due from depository institutions$181,372
Interest-bearing balances$172,305
Federal funds sold & reverse repurchase agreements$22,026
Net loans & leases$172,317
Loan loss allowance $5,314
Trading account assets$0
Bank premises and fixed assets$642
Other real estate owned$2,062
Goodwill and other intangibles$50
All other assets$91,449
Life insurance assets$615,073
Total liabilities and capital$546,490
Total liabilities$462,298
Total deposits$29,822
Interest-bearing deposits$462,298
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $64,192
All other liabilities $68,583
Total equity capital$68,583
Total bank equity capital$68,583
Perpetual preferred stock$0
Common stock$46,457
Undivided profits $22,126
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,656
Earning assets $0
Long-term assets (5+ years) $1,493
Average Assets, year-to-date $511,803
Average Assets, quarterly $166,248
Volatile liabilities $610,113
Insider loans $650,648
FHLB advances $240,652
Loans and leases held for sale $673,689
Unused loan commitments $6,665
Tier 1 (core) risk-based capital $5,484
Tier 2 risk-based capital $67,184
Total risk weighted assets $1,181
Total unused commitments $0
Restructured Loans and leases $4,882
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,562
Total interest expense $261
Net interest income $13,301
Provision for loan and lease losses $186
Total noninterest income $8,175
Fiduciary activities $0
Service charges on deposit accounts $1,678
Trading account gains & fees $0
Additional noninterest income $6,497
Total noninterest expense $15,579
Salaries and employee benefits $9,156
Premises and equipment expense $1,278
Additional noninterest expense $5,145
Pre-tax net operating income $5,711
Securities gains (losses) $0
Applicable income taxes $2,293
Income before extraordinary items $3,418
Extraordinary gains - net $0
Net income attributable to bank $3,418
Net charge-offs $0
Cash dividends $3,418
Sale, conversion, retirement of capital stock, net $1,025
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.59%
Cost of funding earning assets 0.05%
Net interest margin 2.54%
Noninterest income to earning assets 1.56%
Noninterest expense to earning assets 2.97%
Net operating income to assets 0.56%
Return on assets (ROA) 0.56%
Pretax return on assets 0.94%
Return on equity (ROE) 5.17%
Retained earnings to average equity (YTD only) 5.17%
Net charge-offs to loans 0.59%
Credit loss provision to net charge-offs 18.15%
Efficiency ratio5.75%
Assets per employee$72,309
Cash dividends to net income (YTD only)8.79%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.99%
Noncurrent assets plus other real estate owned to assets 61.39%
Noncurrent loans to loans 1.74%
Net loans and leases to deposits4.87%
Net loans and leases to core deposits 37.27%
Equity capital to assets 38.48%
Core capital (leverage) ratio 11.15%
Tier 1 risk-based capital ratio 9.97%
Total risk-based capital ratio 27.92%
Average assets$29
Average earning assets$610,113
Average equity $66,066
Average loans $524,135
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1 California Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
057011Pacific Coast Bankers' Bank340 Pine Street, 4th Floor, San Francisco, CA 94104January 02, 1997Full Service Brick and Mortar
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