Farmers and Merchants Bank of Long Beach

Farmers and Merchants Bank of Long Beach is headquartered in Long Beach and is the 16^st largest bank in the state of California. It is also the 174^th largest bank in the nation. It was established in 1907 and as of December of 2012, it had grown to 588 employees at 21 locations. Farmers and Merchants Bank of Long Beach has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Farmers and Merchants Bank of Long Beach FDIC Certificate # 1225 BankRate Report View Year Established 1907 Employees 588 Primary Regulator FED Assets and Liabilities Assets $4.99 billion Loans $1.93 billion Deposits $3.69 billion Equity Capital $717.26 million Loan Loss Allowance $56.70 million Unbacked Noncurrent Loans $55.34 million Real Estate Owned $17.70 million Historic Data - December 2011 Assets $4.66 billion Equity Capital $670.22 million Loan Loss Allowance $58.46 million Unbacked Noncurrent Loans $126.45 million Real Estate Owned $23.04 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.32% Return on Equity 9.1% Interest Income $173.44 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Farmers and Merchants Bank of Long Beach had $73.04 million in non-current loans and owned real-estate with $773.96 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Bank of Long Beach a Texas Ratio of 9.44% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers and Merchants Bank of Long Beach decreased significantly from 20.51% as of December 31, 2011 to 9.44% as of December 31, 2012, resulting in a positive change of 54.00%.This indicates that the balance sheet and financial strength for Farmers and Merchants Bank of Long Beach has improved significantly in recent periods. Deposit Growth In the past year, Farmers and Merchants Bank of Long Beach has increased its total deposits by $292.39 million, resulting in 8.62% 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 Farmers and Merchants Bank of Long Beach has shown is excellent. Capitalization 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. Farmers and Merchants Bank of Long Beach has $4.99 billion in assets with $773.96 million in equity, resulting in a capitalization level of 15.51%, which is excellent.

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