First Banks, Inc. operates as the holding company for The San Francisco Company. The San Francisco Company, through its subsidiary, First Bank, provides a range of financial products and services in California, Illinois, Missouri, and Texas. The company offers commercial and personal deposit products, and commercial and consumer lending products and services. Its commercial and personal deposit products include demand, savings, money market, and time deposit accounts; packaged accounts; sweep accounts; lock-box deposits; and cash management products and services. The company’s commercial and consumer lending products includes commercial, financial, and agricultural loans; real estate construction, and development loans; commercial real estate loans; small business lending; asset-based loans; trade financing; insurance premium financing; residential real estate; and home equity and installment lending. It also offers various financial services, including mortgage banking, debit cards, brokerage services, employee benefit, commercial and personal insurance services, Internet banking, remote deposit, automated teller machines (ATMs), telephone banking, safe deposit boxes, trust, private banking, and institutional money management services. As of December 31, 2006, First Banks operated 195 branch offices in California, Illinois, Missouri, and Texas, with 217 ATMs. The company was incorporated in 1978 and is headquartered in Clayton, Missouri.