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

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 70Total employees (full-time equivalent)
  • $615,073Total assets
  • $181,372Cash and due from depository institutions
  • $172,305Interest-bearing balances
  • $145,155Securities
  • $22,026Federal funds sold & reverse repurchase agreements
  • $172,317Net loans & leases
  • $5,314Loan loss allowance
  • $0Trading account assets
  • $642Bank premises and fixed assets
  • $2,062Other real estate owned
  • $50Goodwill and other intangibles
  • $615,073Life insurance assets
  • $91,449All other assets
  • $546,490Total liabilities and capital
  • $462,298Total liabilities
  • $29,822Total deposits
  • $462,298Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $64,192Subordinated debt
  • $68,583All other liabilities
  • $68,583Total equity capital
  • $68,583Total bank equity capital
  • $0Perpetual preferred stock
  • $46,457Common stock
  • $0Surplus
  • $22,126Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,656Income earned, not collected on loans
  • $0Earning assets
  • $1,493Long-term assets (5+ years)
  • $511,803Average Assets, year-to-date
  • $166,248Average Assets, quarterly
  • $610,113Volatile liabilities
  • $650,648Insider loans
  • $240,652FHLB advances
  • $673,689Loans and leases held for sale
  • $6,665Unused loan commitments
  • $5,484Tier 1 (core) risk-based capital
  • $67,184Tier 2 risk-based capital
  • $1,181Total risk weighted assets
  • $0Total unused commitments
  • $4,882Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,562Total interest income
  • $261Total interest expense
  • $13,301Net interest income
  • $186Provision for loan and lease losses
  • $8,175Total noninterest income
  • $0Fiduciary activities
  • $1,678Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,497Additional noninterest income
  • $15,579Total noninterest expense
  • $9,156Salaries and employee benefits
  • $1,278Premises and equipment expense
  • $5,145Additional noninterest expense
  • $5,711Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,293Applicable income taxes
  • $3,418Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,418Net income attributable to bank
  • $0Net charge-offs
  • $3,418Cash dividends
  • $1,025Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.59%Yield on earning assets
  • 0.05%Cost of funding earning assets
  • 2.54%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 5.17%Return on equity (ROE)
  • 5.17%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 18.15%Credit loss provision to net charge-offs
  • 5.75%Efficiency ratio
  • 72,309Assets per employee
  • 8.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.99%Loss allowance to noncurrent loans
  • 61.39%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 4.87%Net loans and leases to deposits
  • 37.27%Net loans and leases to core deposits
  • 38.48%Equity capital to assets
  • 11.15%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 27.92%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $610,113Average earning assets
  • $66,066Average equity
  • $524,135Average loans

List of branches

  • 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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