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Bank of Agriculture and Commerce

Bank of Agriculture and Commerce
Overview / Commentary
2021 West March Lane
Stockton, CA 95202

Bank of Agriculture and Commerce is headquartered in Stockton and is the 85th largest bank in the state of California. It is also the 1,349th largest bank in the nation. It was established in 1965 and as of March of 2014, it had grown to 118 employees at 10 locations. Bank of Agriculture and Commerce has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C

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 Agriculture and Commerce had $15.2 million in non-current loans and owned real-estate with $50.12 million in equity and loan loss allowances on hand to cover it. This gives Bank of Agriculture and Commerce a Texas Ratio of 30.32% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Bank of Agriculture and Commerce decreased slightly from 33.72% as of March 31, 2013 to 30.32% as of March 31, 2014, resulting in a positive change of 10.08%.This indicates that the balance sheet and financial strength for Bank of Agriculture and Commerce has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Bank of Agriculture and Commerce has increased its total deposits by $7.27 million, resulting in 1.69% 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 Agriculture and Commerce has shown is above average.

Capitalization

GRADE:
B+

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 Agriculture and Commerce has $500 million in assets with $50.12 million in equity, resulting in a capitalization level of 10.02%, which is above average.

Institution Statistics

Overall
FDIC Certificate #19434
Year Established1965
Employees118
Primary RegulatorFDIC
Assets and Liabilities
Assets$500.00 million
Loans$297.32 million
Deposits$437.51 million
Equity Capital$44.48 million
Loan Loss Allowance$5.64 million
Unbacked Noncurrent Loans$10.95 million
Real Estate Owned$4.24 million
Historic Data - March 2013
Assets$493.81 million
Equity Capital$45.70 million
Loan Loss Allowance$6.38 million
Unbacked Noncurrent Loans$10.95 million
Real Estate Owned$2.77 million
Profit Margin - Quarterly
Net Interest Margin3.63%
Return on Assets0.53%
Return on Equity5.98%
Interest Income$4.37 million
Rates

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Locations


Bank of Agriculture and Commerce Locations
Oakley Branch1070 Laurel RoadOakley, CA 94561
Antioch Branch1411 A StreetAntioch, CA 94509
Discovery Bay Branch14804 Highway 4Discovery Bay, CA 94514
Lodi Office Branch1610 W. Kettleman Lane, Suite CLodi, CA 95242
Modesto Branch1625 J StreetModesto, CA 95354
Concord Branch1935 Diamond BlvdConcord, CA 94520
Bank Of Agriculture and Commerce2021 West March LaneStockton, CA 95202
Country Club Branch2251 Balfour RdBrentwood, CA 94513
Downtown Branch517 E Weber LaneStockton, CA 95201
Brentwood Branch740 First StreetBrentwood, CA 94513