Farmers & Merchants Bank of Central California

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Farmers & Merchants Bank of Central California Locations

Deposit Rates - May 21, 2022

SAVINGS RATES APY MIN
MM RATES APY MIN
Money Market
0.04% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.06% $2,500

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1331
Date Established 1916
Assets $ 5.18 billion
Loans $ 3.18 billion
Deposits $ 4.64 billion
Capital $ 472.26 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 717.61 million
Interest-bearing balances $ 662.96 million
Total securities $ 1,007.07 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.18 billion
Loan loss allowance $ 61.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.87 million
Goodwill and other intangibles $ 14.59 million
All other assets $ 215.26 million
     Total Assets $ 4.71 billion

LIABILITIES
Total deposits $ 4.64 billion
      Interest-bearing deposits $ 2.89 billion
      Deposits held in domestic offices $ 4.64 billion
      % insured (estimated) 52.08%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 63.22 millionn
      Total Liabilities $ 4.71 billion
      Shareholders’ Equity $ 472.26 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 164.47 million
Total Interest Expense $ 3.41 million
Net interest income $ 161.06 million
Provision for loan and lease losses $ 1.91 million
Total non interest income $ 18.55 million
Total non interest expense $ 89.69 million
Pre-tax Net Operating Income $ 88.01 million

Farmers & Merchants Bank of Central California is an FDIC insured institution headquartered at 121 West Pine Street, Lodi, CA 95240.
It was founded in 1916 and has approximately $5 billion in assets. Customers can open an account at one of its 34 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL SAVINGS
    Bank
    CALIFORNIA
    $50,000
    N.A.
    0.03%
    0.26x (National Avg. - 0.11%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.03%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    ONLINE SAVINGS
    Online Bank
    -
    $50,000
    N.A.
    0.85%
    7.46x (National Avg. - 0.11%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.85%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 425 298
    2 50,425 429 300
    3 50,854 432 303
    4 51,286 436 305
    5 51,722 440 308
    6 52,161 443 310
    7 52,605 447 313
    8 53,052 451 316
    9 53,503 455 318
    10 53,958 459 321
    11 54,416 463 324
    12 54,879 466 327
    13 55,345 470 329
    14 55,816 474 332
    15 56,290 478 335
    16 56,769 483 338
    17 57,251 487 341
    18 57,738 491 344
    19 58,229 495 346
    20 58,724 499 349
    TOTAL $9,223 $6,456