Farmers & Merchants Bank of Central California in Lodi, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers & Merchants Bank of Central California - Overview

  • General
  • FDIC Certificate #: 1331
    Status: Active
    Federal Reserve ID: 808260
    Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Bancorp (RSSDID: 2781910, Location: Lodi, CA)
    Date Established: May 24, 1916
    WWW: http://www.fmbonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 13589
    FDIC's unique #: 878
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 121 West Pine Street, Lodi, CA 95240
    County: San Joaquin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,920.1 mil
    Equity capital: $199.2 mil
    Deposits held in domestic offices: $1,627.8 mil
    Return on assets (ROA): 1.23% ($23.6 mil)
    Quarterly return on assets: 1.23% ($23.6 mil)
    Return on Equity (ROE): 11.98% ($23.8 mil)
    Quarterly return on equity: 11.78% ($23.4 mil)
    Net income: $23.0 mil
    Quarterly Net income: $5.9 mil
    Pretax return on assets: 1.94% ($37,250.8 mil)
    Quarterly Pretax return on assets: 1.93% ($37,058.8 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
  • 312Total employees (full-time equivalent)
  • $1,920,145Total assets
  • $102,883Cash and due from depository institutions
  • $56,548Interest-bearing balances
  • $542,501Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,130,060Net loans & leases
  • $33,017Loan loss allowance
  • $0Trading account assets
  • $23,732Bank premises and fixed assets
  • $2,924Other real estate owned
  • $0Goodwill and other intangibles
  • $1,920,145Life insurance assets
  • $118,045All other assets
  • $1,720,969Total liabilities and capital
  • $1,627,818Total liabilities
  • $1,087,370Total deposits
  • $1,627,818Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 60000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $530Trading liabilities
  • $0Other borrowed funds
  • $32,621Subordinated debt
  • $199,176All other liabilities
  • $199,176Total equity capital
  • $199,176Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $43,581Surplus
  • $155,594Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,229Income earned, not collected on loans
  • $113Earning assets
  • $6,368Long-term assets (5+ years)
  • $1,729,109Average Assets, year-to-date
  • $904,866Average Assets, quarterly
  • $1,870,205Volatile liabilities
  • $1,900,535Insider loans
  • $1,431,351FHLB advances
  • $1,903,647Loans and leases held for sale
  • $47,418Unused loan commitments
  • $47,418Tier 1 (core) risk-based capital
  • $194,509Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $300,572Restructured Loans and leases
  • $6,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $82,237Total interest income
  • $7,655Total interest expense
  • $74,582Net interest income
  • $6,775Provision for loan and lease losses
  • $10,759Total noninterest income
  • $0Fiduciary activities
  • $5,863Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,896Additional noninterest income
  • $42,377Total noninterest expense
  • $29,535Salaries and employee benefits
  • $5,130Premises and equipment expense
  • $7,712Additional noninterest expense
  • $36,189Pre-tax net operating income
  • $95Securities gains (losses)
  • $13,244Applicable income taxes
  • $23,040Income before extraordinary items
  • $0Extraordinary gains - net
  • $23,040Net income attributable to bank
  • $0Net charge-offs
  • $23,040Cash dividends
  • $6,019Sale, conversion, retirement of capital stock, net
  • $10,326Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 11.98%Return on equity (ROE)
  • 6.61%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 112.56%Credit loss provision to net charge-offs
  • 7.14%Efficiency ratio
  • 49,656Assets per employee
  • 6.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.82%Loss allowance to loans
  • 2.84%Loss allowance to noncurrent loans
  • 780.73%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 69.42%Net loans and leases to core deposits
  • 80.46%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 13.59%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,870,205Average earning assets
  • $192,264Average equity
  • $1,689,307Average loans

List of branches

  • 23 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0878Farmers & Merchants Bank Of Central121 West Pine Street, Lodi, CA 95240May 24, 1916Full Service Brick and Mortar
    1189319Galt Branch1200 C Street, Galt, CA 95632July 01, 1948Full Service Brick and Mortar
    2189320Linden Branch18836 West Main Street, Linden, CA 95236December 20, 1950Full Service Brick and Mortar
    3189321Lodi Avenue Auto Branch121 West Lodi Avenue, Lodi, CA 95240November 21, 1955Limited Service Facility
    4189322Mchenry Village Branch1700 Mchenry Avenue, Modesto, CA 95350October 30, 1955Limited Service Facility
    5189323South Sacramento Branch7272 Franklin Boulevard, Sacramento, CA 95823December 19, 1955Full Service Brick and Mortar
    6189324Modesto Main Branch3001 Mchenry Avenue, Modesto, CA 95350March 03, 1979Full Service Brick and Mortar
    8189326Vineyard Branch1020 West Kettleman Lane, Lodi, CA 95240December 15, 1981Full Service Brick and Mortar
    9189327Cherokee Branch530 South Cherokee Lane, Lodi, CA 95240March 01, 1982Limited Service Facility
    1015588Turlock Main Branch121 S Center Street, Turlock, CA 95380December 23, 1976Full Service Brick and Mortar
    11254484Hilmar Branch19925 West First Street, Hilmar, CA 95324June 11, 1979Full Service Brick and Mortar
    12254485Geer Road Branch2340 Geer Road, Turlock, CA 95380Febuary 19, 1981Full Service Brick and Mortar
    13189328Elk Grove Branch8799 Elk Grove Boulevard, Elk Grove, CA 95624December 08, 1988Full Service Brick and Mortar
    14189329Crossroads Branch901 Carpenter Road, Modesto, CA 95351September 23, 1992Full Service Brick and Mortar
    15365571Lincoln Center Branch205 Lincoln Center, Stockton, CA 95207September 09, 2002Full Service Brick and Mortar
    16425737Modesto Vintage Faire Branch3500 Dale Road, Modesto, CA 95356September 02, 2003Full Service Brick and Mortar
    18442920Galt Village Office Branch10330 Twin Cities Rd, Galt, CA 95632June 27, 2005Full Service Brick and Mortar
    19442921Woodlake Plaza Office Branch2401 Turner Rd, Lodi, CA 95240August 16, 2004Full Service Retail
    21447914Capitol Branch1303 J Street, Sacramento, CA 95814Febuary 13, 2006Full Service Brick and Mortar
    22455072Lodi Grape Festival Seasonal Branch413 East Lockeford Street, Lodi, CA 95240September 13, 2006Limited Service Mobile
    23456263Vintner Square Branch1387 S Lower Sacramento Road, Lodi, CA 95242October 21, 2006Full Service Brick and Mortar
    24456864Stockton Main Branch4612 Mcgaw Street, Stockton, CA 95207November 20, 2006Full Service Brick and Mortar
    25493085Merced Branch2936 G Street, Merced, CA 95340Febuary 18, 2009Full Service Brick and Mortar

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