Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 1.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.7 has resulted in Excellent (9.7) profitability. Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 11.7.
Asset Mix:
Securities (26%), comm re (23%), comm loans (9%), home mtgs (6%), cash (5%), home eq lns (1%), other (29%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Farmers & Merchants Bancorp
Investment Rating
Address
121 West Pine Street
Lodi, CA 95240
Lodi, CA 95240
Phone Number
(209) 367-2300
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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