FDIC Certificate #: 58069 Status: Active Federal Reserve ID: 3357385 Date Established: August 01, 2005 WWW:http://www.bankofsf.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) FDIC's unique #: 438784 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: August 01, 2005 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: 575 Market Street, Suite 2400, San Francisco, CA 94105 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: $123.5 mil Equity capital: $12.8 mil Deposits held in domestic offices: $110.4 mil Return on assets (ROA): 0.44% ($0.5 mil) Quarterly return on assets: 0.28% ($0.3 mil) Return on Equity (ROE): 4.12% ($0.5 mil) Quarterly return on equity: 2.70% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.82% ($1,013.0 mil) Quarterly Pretax return on assets: 0.72% ($889.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$123,538Total assets
$28,424Cash and due from depository institutions
$24,237Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$92,727Net loans & leases
$1,690Loan loss allowance
$0Trading account assets
$156Bank premises and fixed assets
$159Other real estate owned
$0Goodwill and other intangibles
$123,538Life insurance assets
$2,072All other assets
$110,760Total liabilities and capital
$110,434Total liabilities
$63,514Total deposits
$110,434Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$326Subordinated debt
$12,778All other liabilities
$12,778Total equity capital
$12,778Total bank equity capital
$0Perpetual preferred stock
$13,061Common stock
$0Surplus
$-283Undivided profits
Memoranda
$0Noncurrent loans and leases
$290Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$293Income earned, not collected on loans
$0Earning assets
$279Long-term assets (5+ years)
$116,964Average Assets, year-to-date
$42,802Average Assets, quarterly
$113,372Volatile liabilities
$120,744Insider loans
$92,916FHLB advances
$120,934Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,230Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,209Restructured Loans and leases
$4,100Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,146Total interest income
$318Total interest expense
$4,828Net interest income
$242Provision for loan and lease losses
$208Total noninterest income
$0Fiduciary activities
$159Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$3,862Total noninterest expense
$2,274Salaries and employee benefits
$393Premises and equipment expense
$1,195Additional noninterest expense
$932Pre-tax net operating income
$0Securities gains (losses)
$430Applicable income taxes
$502Income before extraordinary items
$0Extraordinary gains - net
$502Net income attributable to bank
$0Net charge-offs
$502Cash dividends
$227Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.30%Cost of funding earning assets
4.52%Net interest margin
0.19%Noninterest income to earning assets
3.62%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.82%Pretax return on assets
4.12%Return on equity (ROE)
4.12%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
106.61%Credit loss provision to net charge-offs
5.17%Efficiency ratio
76,688Assets per employee
6.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
576.79%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.31%Net loans and leases to deposits
83.97%Net loans and leases to core deposits
90.44%Equity capital to assets
10.34%Core capital (leverage) ratio
10.11%Tier 1 risk-based capital ratio
13.16%Total risk-based capital ratio
Memoranda
$14Average assets
$113,372Average earning assets
$12,199Average equity
$106,733Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
438784
Bank Of San Francisco
575 Market Street, Suite 2400, San Francisco, CA 94105
August 01, 2005
Full Service Brick and Mortar
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