Farmers & Merchants Bank of Central California in Lodi, California (CA)



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Farmers & Merchants Bank of Central California routing number info

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Farmers & Merchants Bank of Central California
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)312
Total assets$1,920,145
Cash and due from depository institutions$102,883
Interest-bearing balances$56,548
Securities$542,501
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,130,060
Loan loss allowance $33,017
Trading account assets$0
Bank premises and fixed assets$23,732
Other real estate owned$2,924
Goodwill and other intangibles$0
All other assets$118,045
Life insurance assets$1,920,145
Total liabilities and capital$1,720,969
Total liabilities$1,627,818
Total deposits$1,087,370
Interest-bearing deposits$1,627,818
Deposits held in domestic offices$85
% insured (estimated)60000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$530
Other borrowed funds $0
Subordinated debt $32,621
All other liabilities $199,176
Total equity capital$199,176
Total bank equity capital$199,176
Perpetual preferred stock$0
Common stock$1
Surplus$43,581
Undivided profits $155,594
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,229
Earning assets $113
Long-term assets (5+ years) $6,368
Average Assets, year-to-date $1,729,109
Average Assets, quarterly $904,866
Volatile liabilities $1,870,205
Insider loans $1,900,535
FHLB advances $1,431,351
Loans and leases held for sale $1,903,647
Unused loan commitments $47,418
Tier 1 (core) risk-based capital $47,418
Tier 2 risk-based capital $194,509
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $300,572
Derivatives$6,529
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $82,237
Total interest expense $7,655
Net interest income $74,582
Provision for loan and lease losses $6,775
Total noninterest income $10,759
Fiduciary activities $0
Service charges on deposit accounts $5,863
Trading account gains & fees $0
Additional noninterest income $4,896
Total noninterest expense $42,377
Salaries and employee benefits $29,535
Premises and equipment expense $5,130
Additional noninterest expense $7,712
Pre-tax net operating income $36,189
Securities gains (losses) $95
Applicable income taxes $13,244
Income before extraordinary items $23,040
Extraordinary gains - net $0
Net income attributable to bank $23,040
Net charge-offs $0
Cash dividends $23,040
Sale, conversion, retirement of capital stock, net $6,019
Net operating income $10,326
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 0.45%
Net interest margin 4.41%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 2.51%
Net operating income to assets 1.23%
Return on assets (ROA) 1.23%
Pretax return on assets 1.94%
Return on equity (ROE) 11.98%
Retained earnings to average equity (YTD only) 6.61%
Net charge-offs to loans 0.51%
Credit loss provision to net charge-offs 112.56%
Efficiency ratio7.14%
Assets per employee$49,656
Cash dividends to net income (YTD only)6.15%
Condition Ratios (%)
Loss allowance to loans 44.82%
Loss allowance to noncurrent loans 2.84%
Noncurrent assets plus other real estate owned to assets 780.73%
Noncurrent loans to loans 0.37%
Net loans and leases to deposits0.36%
Net loans and leases to core deposits 69.42%
Equity capital to assets 80.46%
Core capital (leverage) ratio 10.37%
Tier 1 risk-based capital ratio 10.22%
Total risk-based capital ratio 13.59%
Memoranda
Average assets$15
Average earning assets$1,870,205
Average equity $192,264
Average loans $1,689,307
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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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