Farmers & Merchants Bank of Central California

Farmers & Merchants Bank of Central California is headquartered in Lodi and is the 30^th largest bank in the state of California. It is also the 361^st largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 305 employees at 23 locations. Farmers & Merchants Bank of Central California has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers & Merchants Bank of Central California FDIC Certificate # 1331 BankRate Report View Year Established 1916 Employees 305 Primary Regulator FDIC Assets and Liabilities Assets $1.95 billion Loans $1.13 billion Deposits $1.64 billion Equity Capital $205.99 million Loan Loss Allowance $32.94 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $2.92 million Historic Data - March 2011 Assets $1.86 billion Equity Capital $188.75 million Loan Loss Allowance $32.33 million Unbacked Noncurrent Loans $3.50 million Real Estate Owned $8.23 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.33% Return on Equity 12.66% Interest Income $19.93 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 March 31, 2012 Farmers & Merchants Bank of Central California had $6.57 million in non-current loans and owned real-estate with $238.93 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank of Central California a Texas Ratio of 2.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers & Merchants Bank of Central California decreased significantly from 5.31% as of March 31, 2011 to 2.75% as of March 31, 2012, resulting in a positive change of 48.16%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank of Central California has improved significantly in recent periods. Deposit Growth In the past year, Farmers & Merchants Bank of Central California has increased its total deposits by $65.81 million, resulting in 4.17% 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 & Merchants Bank of Central California has shown is above average. 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 & Merchants Bank of Central California has $1.95 billion in assets with $238.93 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

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