FDIC Certificate #: 20726 Status: Active Federal Reserve ID: 645661 Date Established: June 23, 1972 WWW:http://www.acbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13979 FDIC's unique #: 14316 Numeric code: 21 Regulator: FDIC 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: June 23, 1972 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: 417 Montgomery Street, 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: $122.8 mil Equity capital: $15.3 mil Deposits held in domestic offices: $95.5 mil Return on assets (ROA): 0.09% ($0.1 mil) Quarterly return on assets: 0.33% ($0.4 mil) Return on Equity (ROE): 0.73% ($0.1 mil) Quarterly return on equity: 2.64% ($0.4 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.09% ($110.5 mil) Quarterly Pretax return on assets: 0.33% ($405.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$122,800Total assets
$21,174Cash and due from depository institutions
$20,720Interest-bearing balances
$448Securities
$0Federal funds sold & reverse repurchase agreements
$93,746Net loans & leases
$1,835Loan loss allowance
$0Trading account assets
$406Bank premises and fixed assets
$1,267Other real estate owned
$0Goodwill and other intangibles
$122,800Life insurance assets
$5,759All other assets
$107,451Total liabilities and capital
$95,516Total liabilities
$87,097Total deposits
$95,516Interest-bearing deposits
$64Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,500Trading liabilities
$0Other borrowed funds
$1,435Subordinated debt
$15,349All other liabilities
$15,349Total equity capital
$15,349Total bank equity capital
$3,884Perpetual preferred stock
$10,096Common stock
$0Surplus
$1,369Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,472Income earned, not collected on loans
$0Earning assets
$518Long-term assets (5+ years)
$114,914Average Assets, year-to-date
$22,800Average Assets, quarterly
$120,919Volatile liabilities
$122,334Insider loans
$95,155FHLB advances
$120,362Loans and leases held for sale
$3,139Unused loan commitments
$3,139Tier 1 (core) risk-based capital
$14,805Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,742Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,826Total interest income
$2,103Total interest expense
$3,723Net interest income
$175Provision for loan and lease losses
$477Total noninterest income
$0Fiduciary activities
$259Service charges on deposit accounts
$0Trading account gains & fees
$218Additional noninterest income
$3,916Total noninterest expense
$2,058Salaries and employee benefits
$498Premises and equipment expense
$1,360Additional noninterest expense
$109Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$109Income before extraordinary items
$0Extraordinary gains - net
$109Net income attributable to bank
$0Net charge-offs
$109Cash dividends
$1,000Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
1.88%Cost of funding earning assets
3.33%Net interest margin
0.43%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.09%Net operating income to assets
0.09%Return on assets (ROA)
0.09%Pretax return on assets
0.73%Return on equity (ROE)
0.73%Retained earnings to average equity (YTD only)
1.11%Net charge-offs to loans
17.50%Credit loss provision to net charge-offs
0.28%Efficiency ratio
93,238Assets per employee
5.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
74.23%Noncurrent assets plus other real estate owned to assets
3.04%Noncurrent loans to loans
2.59%Net loans and leases to deposits
98.15%Net loans and leases to core deposits
130.72%Equity capital to assets
12.50%Core capital (leverage) ratio
12.30%Tier 1 risk-based capital ratio
15.56%Total risk-based capital ratio
Memoranda
$17Average assets
$120,919Average earning assets
$14,865Average equity
$111,744Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14316
America California Bank
417 Montgomery Street, San Francisco, CA 94104
June 23, 1972
Full Service Brick and Mortar
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