Farmers & Merchants Bancorp operates as the holding company for Farmers & Merchants Bank of Central California that provides a range of banking services to businesses and individuals. The company focuses on marketing its services to small and medium sized businesses and a range of retail banking services are made available to the local consumer market. The company’s primary service area remains the mid Central Valley of California, including Sacramento, San Joaquin, Stanislaus and Merced counties, where it operates 21 full-service branches and 2 stand-alone ATM’s. The company provides lending products, including commercial, real estate construction, agribusiness, consumer, credit card, real estate loans, and equipment leases. Commercial products include term loans, lines of credit and other working capital financing and letters of credit. Financing products for individuals include automobile financing, lines of credit, residential real estate, home improvement and home equity lines of credit. The company also offers a range of specialized services designed for the needs of its commercial accounts. These services include a credit card program for merchants, collection services, account reconciliation, investment sweep, online account access, and electronic funds transfers by way of domestic and international wire and automated clearinghouse. The company makes investment products available to customers, including mutual funds and annuities. These investment products are offered through a third party, which employs investment advisors to meet with and provide investment advice to its customers. As of December 31, 2013, the company’s investment portfolio included mortgage backed securities; and corporate securities. The company offers various deposit instruments. These include checking, savings, money market, time certificates of deposit, individual retirement accounts and online banking services for both business and personal accounts. Supervision and Regulation The company is a registered bank holding company and is subject to regulation under the Bank Holding Company Act of 1956 (BHCA), as amended. Accordingly, the company’s operations are subject to extensive regulation and examination by the Board of Governors of the Federal Reserve System (FRB). The company is required to file with the FRB quarterly and annual reports and such additional information as the FRB may require pursuant to the BHCA. The FRB conducts periodic examinations of the company. The company is a bank holding company within the meaning of the California Financial Code. As such, the company and its subsidiaries are subject to examination by, and may be required to file reports with, the California Department of Business Oversight (DBO). The bank, as a California chartered non-FRB member bank, is subject to primary supervision, periodic examination and regulation by the DBO and Federal Deposit Insurance Corporation. The bank is subject to certain fair lending requirements involving lending, investing, and other Community Reinvestment Act activities. As a public reporting company, the company is subject to the requirements of this legislation and related rules and regulations issued by the Securities and Exchange Commission. The company’s lending activities are subject to various statutes and regulations designed to protect consumers, including the Fair Credit Reporting Act, Equal Credit Opportunity Act, the Fair Housing Act, and the Truth-in-Lending Act. Deposit operations are also subject to laws and regulations that protect consumer rights including Funds Availability, Truth in Savings, and Electronic Funds Transfers. Additional rules govern check writing ability on certain interest earning accounts and prescribe procedures for complying with administrative subpoenas of financial records. History Farmers & Merchants Bancorp was founded in 1916.
farmers & merchants banco/ca
111 West Pine Street
Lodi, CA 95240
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