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

Presidio Bank - Overview

  • General
  • FDIC Certificate #: 58325
    Status: Active
    Federal Reserve ID: 3398100
    Date Established: July 24, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 446150
    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: July 24, 2006
    Last Structure Change Effective Date: July 16, 2007
    Last Structure Change Process Date: July 16, 2007
    Last Data Update: July 16, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: One Montgomery Tower, San Francisco, CA 94111
    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: $357.4 mil
    Equity capital: $44.7 mil
    Deposits held in domestic offices: $310.8 mil
    Return on assets (ROA): 1.92% ($6.9 mil)
    Quarterly return on assets: 0.56% ($2.0 mil)
    Return on Equity (ROE): 14.26% ($6.4 mil)
    Quarterly return on equity: 4.33% ($1.9 mil)
    Net income: $6.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.63% ($2,251.3 mil)
    Quarterly Pretax return on assets: 0.93% ($3,323.4 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
  • 46Total employees (full-time equivalent)
  • $357,350Total assets
  • $81,437Cash and due from depository institutions
  • $77,057Interest-bearing balances
  • $676Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $265,454Net loans & leases
  • $4,944Loan loss allowance
  • $0Trading account assets
  • $1,314Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $357,350Life insurance assets
  • $8,469All other assets
  • $312,659Total liabilities and capital
  • $310,760Total liabilities
  • $221,551Total deposits
  • $310,760Interest-bearing deposits
  • $63Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,899Subordinated debt
  • $44,691All other liabilities
  • $44,691Total equity capital
  • $44,691Total bank equity capital
  • $10,937Perpetual preferred stock
  • $40,130Common stock
  • $2,188Surplus
  • $-8,564Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,699Income earned, not collected on loans
  • $0Earning assets
  • $861Long-term assets (5+ years)
  • $343,187Average Assets, year-to-date
  • $4,425Average Assets, quarterly
  • $314,896Volatile liabilities
  • $342,871Insider loans
  • $303,494FHLB advances
  • $347,708Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,691Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $98,895Restructured Loans and leases
  • $3,716Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,687Total interest income
  • $1,160Total interest expense
  • $13,527Net interest income
  • $841Provision for loan and lease losses
  • $416Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $11,116Total noninterest expense
  • $6,613Salaries and employee benefits
  • $1,467Premises and equipment expense
  • $3,036Additional noninterest expense
  • $1,986Pre-tax net operating income
  • $0Securities gains (losses)
  • -$4,060Applicable income taxes
  • $6,046Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,046Net income attributable to bank
  • $0Net charge-offs
  • $6,046Cash dividends
  • $809Sale, conversion, retirement of capital stock, net
  • $1,131Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 14.26%Return on equity (ROE)
  • 11.60%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 103.96%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 79,725Assets per employee
  • 7.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.71%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 290.99%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 85.42%Net loans and leases to core deposits
  • 94.71%Equity capital to assets
  • 12.51%Core capital (leverage) ratio
  • 11.99%Tier 1 risk-based capital ratio
  • 13.74%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $314,896Average earning assets
  • $42,388Average equity
  • $303,687Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0446150Presidio BankOne Montgomery Tower, San Francisco, CA 94111July 24, 2006Full Service Brick and Mortar
    1474353San Rafael Branch999 Fifth Avenue, Suite 300, San Rafael, CA 94901April 24, 2008Full Service Brick and Mortar
    2478270Walnut Creek Branch1850 Mt. Diablo Blvd, Suite 640, Walnut Creek, CA 94596July 24, 2006Full Service Brick and Mortar
    3478271Santa Rosa Branch703 2nd Street, Suite 210, Santa Rosa, CA 95404April 05, 2007Full Service Brick and Mortar
    4511418Palo Alto Branch325 Lytton Ave, Suite 100, Palo Alto, CA 94301June 30, 2010Full Service Brick and Mortar

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