Westamerica Bank in San Rafael, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Westamerica Bank in San Rafael, California (CA)
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Westamerica Bank - Overview

  • General
  • FDIC Certificate #: 3430
    Status: Active
    Federal Reserve ID: 697763
    Bank Holding Company (Regulatory Top Holder): Westamerica Bancorporation (RSSDID: 1025541, Location: San Rafael, CA)
    Date Established: Febuary 24, 1884
    WWW: http://www.westamerica.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 98 (Domestic: 98, Interstate: No)
    FDIC's unique #: 2226
    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 01, 1934
    Last Structure Change Effective Date: May 27, 2011
    Last Structure Change Process Date: June 21, 2011
    Last Data Update: June 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1108 Fifth Avenue, 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
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $4,998.1 mil
    Equity capital: $538.7 mil
    Deposits held in domestic offices: $4,253.2 mil
    Return on assets (ROA): 1.82% ($91.0 mil)
    Quarterly return on assets: 1.78% ($89.0 mil)
    Return on Equity (ROE): 16.35% ($88.1 mil)
    Quarterly return on equity: 16.23% ($87.5 mil)
    Net income: $89.2 mil
    Quarterly Net income: $22.1 mil
    Pretax return on assets: 2.50% ($124,952.2 mil)
    Quarterly Pretax return on assets: 2.45% ($122,453.1 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
  • 926Total employees (full-time equivalent)
  • $4,998,087Total assets
  • $531,418Cash and due from depository institutions
  • $403,400Interest-bearing balances
  • $1,559,370Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,491,209Net loans & leases
  • $32,597Loan loss allowance
  • $0Trading account assets
  • $25,183Bank premises and fixed assets
  • $45,635Other real estate owned
  • $150,305Goodwill and other intangibles
  • $4,998,087Life insurance assets
  • $194,967All other assets
  • $4,459,429Total liabilities and capital
  • $4,253,240Total liabilities
  • $3,858,411Total deposits
  • $4,253,240Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 133393.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,023Trading liabilities
  • $0Other borrowed funds
  • $46,773Subordinated debt
  • $538,658All other liabilities
  • $538,658Total equity capital
  • $538,658Total bank equity capital
  • $6,000Perpetual preferred stock
  • $408,560Common stock
  • $54,397Surplus
  • $69,701Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $55,386Income earned, not collected on loans
  • $0Earning assets
  • $23,262Long-term assets (5+ years)
  • $4,453,979Average Assets, year-to-date
  • $1,788,561Average Assets, quarterly
  • $4,908,893Volatile liabilities
  • $4,961,105Insider loans
  • $2,769,730FHLB advances
  • $4,835,139Loans and leases held for sale
  • $25,764Unused loan commitments
  • $25,764Tier 1 (core) risk-based capital
  • $383,375Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $348,621Restructured Loans and leases
  • $1,254Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $207,879Total interest income
  • $7,533Total interest expense
  • $200,346Net interest income
  • $11,200Provision for loan and lease losses
  • $59,784Total noninterest income
  • $1,887Fiduciary activities
  • $29,614Service charges on deposit accounts
  • $4Trading account gains & fees
  • $28,279Additional noninterest income
  • $126,069Total noninterest expense
  • $51,881Salaries and employee benefits
  • $19,818Premises and equipment expense
  • $54,370Additional noninterest expense
  • $122,861Pre-tax net operating income
  • $0Securities gains (losses)
  • $33,627Applicable income taxes
  • $89,234Income before extraordinary items
  • $0Extraordinary gains - net
  • $89,234Net income attributable to bank
  • $0Net charge-offs
  • $89,234Cash dividends
  • $14,239Sale, conversion, retirement of capital stock, net
  • $106,756Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.17%Cost of funding earning assets
  • 4.58%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 1.82%Net operating income to assets
  • 1.82%Return on assets (ROA)
  • 2.50%Pretax return on assets
  • 16.35%Return on equity (ROE)
  • -3.21%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 78.66%Credit loss provision to net charge-offs
  • 9.42%Efficiency ratio
  • 46,167Assets per employee
  • 5.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 119.64%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 58.85%Noncurrent assets plus other real estate owned to assets
  • 2.02%Noncurrent loans to loans
  • 2.19%Net loans and leases to deposits
  • 58.57%Net loans and leases to core deposits
  • 63.95%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 13.84%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $4,908,893Average earning assets
  • $545,664Average equity
  • $4,371,485Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $250,953Managed Assets
  • 1Number of Accounts
  • $217,530Personal trust and agency accounts
  • $198,771Employee benefit-defined contribution accounts
  • $4,892Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,194Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,673Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 333Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $33,423Other retirement accounts
  • $282Corporate trust and agency accounts
  • $10,066Other fiduciary accounts
  • $5,167Fiduciary accounts held in foreign offices

List of branches

  • 98 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02226Westamerica Bank1108 Fifth Avenue, San Rafael, CA 94901Febuary 24, 1884Full Service Brick and Mortar
    7245886Novato Branch7333 Redwood Boulevard, Novato, CA 94945November 13, 1964Full Service Brick and Mortar
    8245887Petaluma Branch200 Washington Street, Petaluma, CA 94952November 15, 1963Full Service Brick and Mortar
    10245889Northgate BranchOne Mitchell Boulevard, San Rafael, CA 94903March 17, 1969Full Service Brick and Mortar
    12245891Sausalito Branch1 Harbor Drive, Sausalito, CA 94965March 24, 1971Full Service Brick and Mortar
    13245892Larkspur-Kentfield Branch1177 Magnolia Avenue, Larkspur, CA 94939November 10, 1971Full Service Brick and Mortar
    14245893Ignacio Branch402 Ignacio Boulevard, Novato, CA 94949August 31, 1972Full Service Brick and Mortar
    15245894Washington Square Branch203 South Mcdowell Boulevard, Petaluma, CA 94954April 22, 1974Full Service Brick and Mortar
    17245896Strawberry Branch1222 Strawberry Village, Mill Valley, CA 94941August 25, 1975Full Service Brick and Mortar
    18245897Fourth And E Branch1515 Fourth Street, San Rafael, CA 94901January 19, 1976Full Service Brick and Mortar
    21245900Francisco-Irene Branch1177 East Francisco Boulevard, San Rafael, CA 94901November 17, 1980Full Service Brick and Mortar
    22245901Mill Valley Branch64 East Blithedale Avenue, Mill Valley, CA 94941December 31, 1980Full Service Brick and Mortar
    2315125Grass Valley Branch375 Brunswick Road, Grass Valley, CA 95945November 23, 1974Full Service Brick and Mortar
    35875Santa Rosa Branch111 Santa Rosa Avenue, Santa Rosa, CA 95404Febuary 25, 1904Full Service Brick and Mortar
    37189291Guerneville Branch16265 Main Street, Guerneville, CA 95446March 01, 1940Full Service Brick and Mortar
    39189293Sebastopol Branch105 North Main Street, Sebastopol, CA 95472January 02, 1973Full Service Brick and Mortar
    40189294Cross Roads Branch2498 Guerneville Road, Santa Rosa, CA 95403November 08, 1978Full Service Brick and Mortar
    41196406Healdsburg Branch511 Healdsburg Avenue, Healdsburg, CA 95448December 02, 1968Full Service Brick and Mortar
    42189295Rohnert Park Branch300 Rohnert Park Expressway, Rohnert Park, CA 94928July 07, 1980Full Service Brick and Mortar
    45241935Fairfield Branch2400 Hilborn Road, Fairfield, CA 94534January 03, 1961Full Service Brick and Mortar
    46241936Benicia Branch20 Solano Square, Benicia, CA 94510September 30, 1969Full Service Brick and Mortar
    49196411San Anselmo Branch834 Sir Francis Drake Boulevard, San Anselmo, CA 94960April 16, 1984Full Service Brick and Mortar
    50196412Point West Branch1610 Arden Way, Suite 199, Sacramento, CA 95815May 14, 1984Full Service Brick and Mortar
    54196414Walnut Creek Branch1676 North California Blvd., #p-120, Walnut Creek, CA 94596June 09, 1986Full Service Brick and Mortar
    57196417Wildwood Branch11240 Pleasant Valley Road, Penn Valley, CA 95946April 25, 1988Full Service Brick and Mortar
    59196419San Francisco Branch214 California Street, First Floor, San Francisco, CA 94111January 01, 1988Full Service Brick and Mortar
    62196422Roseville Branch1917 Douglas Boulevard, Suite 92, Roseville, CA 95661September 16, 1991Full Service Brick and Mortar
    63196423Peabody Road Branch138 Peabody Road, Vacaville, CA 95687December 03, 1990Full Service Brick and Mortar
    6432169Martinez Branch601 Ferry Street, Martinez, CA 94553Febuary 04, 1985Full Service Brick and Mortar
    65258392Muir Station Branch590 Center Avenue, Martinez, CA 94553November 16, 1987Full Service Brick and Mortar
    69256186Suisun City Branch333 Sunset Avenue, Suite 100, Suisun City, CA 94585November 25, 1987Full Service Brick and Mortar
    73250980Vallejo Branch1660 Tennessee Street, Vallejo, CA 94590May 02, 1988Full Service Brick and Mortar
    7516837Mchenry Branch1524 Mchenry Avenue, Modesto, CA 95350November 01, 1982Full Service Brick and Mortar
    78257020Kansas Branch1600 Kansas Avenue, Modesto, CA 95358September 28, 1992Full Service Brick and Mortar
    81257023Ceres Branch1788 Mitchell Road Suite 104, Ceres, CA 95307October 17, 1994Full Service Brick and Mortar
    8215473Capitol Mall Branch300 Capitol Mall Ste150, Sacramento, CA 95814April 22, 1976Full Service Brick and Mortar
    8714083North Napa BranchOne Financial Plaza, Napa, CA 94558June 03, 1971Full Service Brick and Mortar
    88250971Yountville Branch6470 Washington Street, Yountville, CA 94599September 16, 1974Full Service Brick and Mortar
    89250972Calistoga Branch1110 Washington Street, Calistoga, CA 94515October 22, 1975Full Service Brick and Mortar
    90250973Downtown Napa Branch1400 Clay Street, Suite 200, Napa, CA 94559April 05, 1978Full Service Brick and Mortar
    91250974St. Helena Branch1000 Adams Street, St. Helena, CA 94574November 18, 1980Full Service Brick and Mortar
    92250975American Canyon Branch3421 Broadway, Suite E2, American Canyon, CA 94503August 18, 1980Full Service Brick and Mortar
    94250978South Napa Branch1221 Imola Avenue West, Napa, CA 94559July 01, 1987Full Service Brick and Mortar
    96196425Concord Branch2400 Willow Pass Road, Suite F, Concord, CA 94519July 15, 1995Full Service Brick and Mortar
    98196426Lafayette Branch3515 Mt. Diablo Boulevard, Lafayette, CA 94549March 31, 1996Full Service Brick and Mortar
    100252363Bullard And Marks Branch3006 West Bullard Avenue, Fresno, CA 93711November 03, 1975Full Service Brick and Mortar
    1022523651st And Herndon Branch7032 North First Street, Fresno, CA 93720October 01, 1981Full Service Brick and Mortar
    103252366Fig Garden Branch790 West Shaw Avenue, Suite 115, Fresno, CA 93704June 29, 1987Full Service Brick and Mortar
    10416252Sanger Branch1601 Seventh Street, Sanger, CA 93657September 15, 1980Full Service Brick and Mortar
    106188608Kingsburg Branch1400 Draper Street, Kingsburg, CA 93631June 05, 1958Full Service Brick and Mortar
    10716229East Shaw Branch1172 East Shaw Avenue, Fresno, CA 93710July 21, 1980Full Service Brick and Mortar
    10816131Madera Branch401 West Yosemite Avenue, Madera, CA 93637January 23, 1980Full Service Brick and Mortar
    111240575Kerman Branch306 South Madera Avenue, Kerman, CA 93630July 03, 1967Full Service Brick and Mortar
    11315897Selma Branch3700 Mccall Avenue, Selma, CA 93662December 11, 1978Full Service Brick and Mortar
    123188605Huron Branch36582 Dinero Way, Huron, CA 93234December 28, 1959Full Service Brick and Mortar
    13611154Bakersfield Main Branch2130 Chester Avenue, Bakersfield, CA 93301May 09, 1952Full Service Brick and Mortar
    142240570Shafter Branch600 James Street, Shafter, CA 93263October 27, 1958Full Service Brick and Mortar
    143240571Taft Branch811 Center Street, Taft, CA 93268July 29, 1966Full Service Brick and Mortar
    144240572Lake Isabella Branch6100 Lake Isabella Boulevard, Lake Isabella, CA 93240March 27, 1967Full Service Brick and Mortar
    15916920Auburn Branch424 Grass Valley Highway, Auburn, CA 95603Febuary 07, 1983Full Service Brick and Mortar
    161257174Rancho Cordova Branch2893 Sunrise Boulevard, Suite 106, Rancho Cordova, CA 95742October 31, 1994Full Service Brick and Mortar
    163196427Pleasanton Branch5700 Stoneridge Mall, Suite 110, Pleasanton, CA 94588September 16, 1996Full Service Brick and Mortar
    164357421Livermore Branch1480 First Street, Livermore, CA 94550December 01, 1999Full Service Brick and Mortar
    167217652Upper Lake Branch9470 Main Street, Upper Lake, CA 95485January 06, 1964Full Service Brick and Mortar
    168217653Clearlake Branch15342 Lakeshore Drive, Clearlake, CA 95422October 28, 1974Full Service Brick and Mortar
    169197765Kelseyville Branch4025 Main Street, Kelseyville, CA 95451October 17, 1904Full Service Brick and Mortar
    172286506Middletown Branch21058 Calistoga Road, Middletown, CA 95461August 26, 1980Full Service Brick and Mortar
    177257099Easton Branch5751 South Elm Avenue, Fresno, CA 93706June 25, 1997Full Service Brick and Mortar
    178257100Firebaugh Branch1312 P Street, Firebaugh, CA 93622July 10, 1997Full Service Brick and Mortar
    181258384North Sebastopol Branch800 Gravenstein Highway North, Sebastopol, CA 95472January 20, 1992Full Service Brick and Mortar
    182258385Nbr Courier Service Branch111 Santa Rosa Avenue, Santa Rosa, CA 95404August 09, 1993Limited Service Messenger
    184262349Montgomery Village Branch424 Farmers Lane, Santa Rosa, CA 95405April 15, 1992Full Service Brick and Mortar
    185453082227 Capricorn Way Branch2227 Capricorn Way, Building E, Suite 200, Santa Rosa, CA 95407June 30, 1987Limited Service Consumer Credit
    187288110Ukiah Branch325 East Perkins, Ukiah, CA 95482June 30, 1987Full Service Brick and Mortar
    188443362Lakeport Branch150 South Main Street, Lakeport, CA 95453March 11, 2005Full Service Brick and Mortar
    189450418Fresno Downtown Branch2440 Tulare Street, Suite 110, Fresno, CA 93721December 05, 2005Full Service Brick and Mortar
    191254900Bellevue Road Branch735 Bellevue Road, Atwater, CA 95301October 05, 1981Full Service Brick and Mortar
    193254906North Lander Avenue Branch8019 North Lander Avenue, Hilmar, CA 95324November 15, 1993Full Service Brick and Mortar
    194254907Los Banos Branch953 West Pacheco Boulevard, Los Banos, CA 93635November 28, 1994Full Service Brick and Mortar
    195254908Turlock Branch2891 Geer Road, Turlock, CA 95382November 20, 1995Full Service Brick and Mortar
    196254909Sonora Branch1311 Sanguinetti Road 1311-A, Sonora, CA 95370April 01, 1996Full Service Brick and Mortar
    198197646Dos Palos Branch1507 Center Street, Dos Palos, CA 93620Febuary 19, 1927Full Service Brick and Mortar
    199197798Livingston Branch640 Main Street, Livingston, CA 95334December 24, 1934Full Service Brick and Mortar
    20138803Turlock Branch241 W Main, Turlock, CA 95380January 14, 1957Full Service Brick and Mortar
    202261132Fresno Branch2150 West Shaw Ave, Fresno, CA 93711July 22, 1996Full Service Brick and Mortar
    203357509Modesto 12th And J Branch1003 12th Street, Modesto, CA 95354November 23, 1999Full Service Brick and Mortar
    205359372Mariposa Branch5121 Highway 140, Mariposa, CA 95338December 12, 1997Full Service Brick and Mortar
    210451811Riverbank Branch2251 Claribel Road, Riverbank, CA 95367June 05, 2006Full Service Brick and Mortar
    211452516South Clovis Branch536 Shaw Ave, Clovis, CA 93612August 01, 2005Full Service Retail
    218254318Tulare Branch140 East Tulare Avenue, Tulare, CA 93274July 31, 1981Full Service Brick and Mortar
    219254320Hanford Branch890 West Lacey Boulevard, Hanford, CA 93230November 21, 1988Full Service Brick and Mortar
    224256031Visalia Branch800 West Main Street, Visalia, CA 93291May 03, 1999Full Service Brick and Mortar
    228473851Olive Road Branch490 West Olive Avenue, Merced, CA 95340September 01, 1997Full Service Brick and Mortar
    230510843Merced Downtown Branch605 W 18th St, Merced, CA 95341August 17, 2009Full Service Brick and Mortar
    231511404Gualala Branch39225 Highway 1 South, Gualala, CA 95445June 30, 2010Full Service Brick and Mortar
    23239356Sonoma Main202 West Napa Street, Sonoma, CA 95476June 03, 1988Full Service Brick and Mortar
    233261477Glen Ellen Branch13751 Arnold Drive, Glen Allen, CA 95442April 29, 1992Full Service Brick and Mortar
    234427065Sonoma18615 Sonoma Highway, Suite 108, Sonoma, CA 95476March 15, 2004Full Service Brick and Mortar

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