The Pacific Bank, National Association in San Francisco, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 2000

  • The Pacific Bank, National Association in San Francisco, California (CA)
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The Pacific Bank, National Association - Overview

  • General
  • FDIC Certificate #: 24706
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: City National Bank (#17281)
    Federal Reserve ID: 518868
    Date Established: September 12, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    OTS Docket #: 14543
    FDIC's unique #: 17149
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 12, 1983
    Last Structure Change Effective Date: Febuary 29, 2000
    Last Structure Change Process Date: March 22, 2000
    Last Data Update: March 22, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 351 California 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)
  • Financial Summary
  • Total assets: $772.3 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 254Total employees (full-time equivalent)
  • $772,320Total assets
  • $56,250Cash and due from depository institutions
  • $31,081Interest-bearing balances
  • $155,080Securities
  • $59,500Federal funds sold & reverse repurchase agreements
  • $464,415Net loans & leases
  • $10,092Loan loss allowance
  • $0Trading account assets
  • $3,602Bank premises and fixed assets
  • $0Other real estate owned
  • $7,379Goodwill and other intangibles
  • $0Life insurance assets
  • $26,094All other assets
  • $772,320Total liabilities and capital
  • $699,991Total liabilities
  • $682,491Total deposits
  • $542,186Interest-bearing deposits
  • $634,501Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $17,500All other liabilities
  • $72,329Total equity capital
  • $72,329Total bank equity capital
  • $72,329Perpetual preferred stock
  • $0Common stock
  • $7,513Surplus
  • $59,677Undivided profits
  • Memoranda
  • $5,139Noncurrent loans and leases
  • $242,707Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,907Earning assets
  • $0Long-term assets (5+ years)
  • $2,750Average Assets, year-to-date
  • $710,076Average Assets, quarterly
  • $85,853Volatile liabilities
  • $728,872Insider loans
  • $752,387FHLB advances
  • $137,620Loans and leases held for sale
  • $14,012Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $242,707Total unused commitments
  • $0Restructured Loans and leases
  • $6,786Derivatives
  • $20,181Total assets and liabilities in foreign offices

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $54,852Total interest income
  • $18,519Total interest expense
  • $36,333Net interest income
  • $7,213Provision for loan and lease losses
  • $8,399Total noninterest income
  • $2,540Fiduciary activities
  • $1,854Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,005Additional noninterest income
  • $32,215Total noninterest expense
  • $17,998Salaries and employee benefits
  • $5,424Premises and equipment expense
  • $8,793Additional noninterest expense
  • $5,304Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,574Applicable income taxes
  • $3,730Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,730Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $8,756Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.32%Yield on earning assets
  • 2.81%Cost of funding earning assets
  • 5.51%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 4.89%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 5.02%Return on equity (ROE)
  • 3.41%Retained earnings to average equity (YTD only)
  • 1.78%Net charge-offs to loans
  • 82.38%Credit loss provision to net charge-offs
  • 1.43%Efficiency ratio
  • 70,770Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.17%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 529.21%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 68.05%Net loans and leases to core deposits
  • 85.23%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 12.12%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $728,872Average earning assets
  • $74,275Average equity
  • $659,017Average loans

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