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Overview / Commentary
575 Market St., Suite 900
San Francisco, CA 94105

Bank of San Francisco is headquartered in San Francisco and is the 172nd largest bank in the state of California. It is also the 3,755th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 30 employees at 1 location. Bank of San Francisco has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of San Francisco had $0 in non-current loans and owned real-estate with $17.1 million in equity and loan loss allowances on hand to cover it. This gives Bank of San Francisco a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Bank of San Francisco has increased its total deposits by $18.94 million, resulting in 16.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of San Francisco has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of San Francisco has $147.58 million in assets with $17.1 million in equity, resulting in a capitalization level of 11.59%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58069
Year Established2005
Employees30
Primary RegulatorFDIC
Assets and Liabilities
Assets$147.58 million
Loans$120.69 million
Deposits$131.92 million
Equity Capital$15.02 million
Loan Loss Allowance$2.08 million
Real Estate Owned$0
Historic Data - March 2013
Assets$129.78 million
Equity Capital$14.10 million
Loan Loss Allowance$2.10 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.01%
Return on Assets0.47%
Return on Equity4.58%
Interest Income$1.49 million
Rates

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Locations


Bank of San Francisco Locations
Bank Of San Francisco575 Market Street, Suite 900San Francisco, CA 94105