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 WWW:http://www.pcbb.com 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
No
ID
Name
Address
Established
Service Type
Map
0
57011
Pacific Coast Bankers' Bank
340 Pine Street, 4th Floor, San Francisco, CA 94104
January 02, 1997
Full Service Brick and Mortar
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