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Member FDIC • FMB.com

STATEMENT OF CONDITIONJUNE 30, 2018

Member FDIC • FMB.com • REV. 7/18

Main – Long Beach 302 Pine Ave.

Long Beach, CA 90802 (562) 437-0011

Belmont Shore* 4827 E. 2nd St.

Long Beach, CA 90803 (562) 621-1430

Bixby Knolls* 4545 California Ave.

Long Beach, CA 90807 (562) 984-3600

Corona del Mar* 2421 E. Coast Hwy.

Corona del Mar, CA 92625 (949) 723-1804

Downey* 9001 Firestone Blvd.

Downey, CA 90241 (562) 334-1836

East Long Beach 3140 E. Anaheim St.

Long Beach, CA 90804 (562) 621-1400

Fullerton* 315 N. Harbor Blvd. Fullerton, CA 92832

(714) 578-1945

Garden Grove* 10422 Garden Grove Blvd.

Garden Grove, CA 92843 (714) 590-3880

Huntington Beach* 7125 Yorktown Ave.

Huntington Beach, CA 92648 (714) 465-3131

Laguna Hills* 24300 Paseo de Valencia

Laguna Hills, CA 92653 (949) 340-3150

Lake Forest* 23772 Rockfield Blvd.

Lake Forest, CA 92630 (949) 460-7900

Lakewood* 5101 Lakewood Blvd. Lakewood, CA 90712

(562) 602-8378

Los Altos* 2302 Bellflower Blvd.

Long Beach, CA 90815 (562) 799-7271

Healthcare Client Services 2801 Atlantic Ave.

Long Beach, CA 90806 (562) 989-7862

Home Loan Center 12515 Seal Beach Blvd.

Seal Beach, CA 90740 (866) 649-3863

Religious Client Services 12535 Seal Beach Blvd. Seal Beach, CA 90740 (562) 344-4070

Memorial Hospital 2801 Atlantic Ave. Long Beach, CA 90806 (562) 989-7862

Newport Beach 4695 MacArthur Ct., Ste. 130 Newport Beach, CA 92660 (949) 241-8280

Orange* 1220 E. Katella Ave. Orange, CA 92867 (714) 288-8450

Redondo Beach 1304 S. Pacific Coast Hwy. Redondo Beach, CA 90277 (310) 802-7560

Rolling Hills Estates* 27525 Indian Peak Rd. Rolling Hills Estates, CA 90274 (310) 491-1711

Rossmoor* 12535 Seal Beach Blvd. Seal Beach, CA 90740 (562) 799-2002

San Clemente* 621 N. El Camino Real San Clemente, CA 92672 (949) 373-2470

San Juan Capistrano* 31873 Del Obispo St. San Juan Capistrano, CA 92675 (949) 488-8550

Santa Ana 1750 E. 17th St. Santa Ana, CA 92705 (714) 564-1750

Santa Barbara OPENING 2018 33 E. Carrillo St. Santa Barbara, CA 93101

Torrance* 22400 Hawthorne Blvd. Torrance, CA 90505 (310) 265-3200

Tustin* 2691 Park Ave. Tustin, CA 92782 (714) 824-3070

OFFICE LOCATIONS

SPECIALIZED CLIENT SERVICES

Extended Friday hours*Open Saturdays from 9:00 am to 12:00 pm

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STATEMENT AT CLOSE OF BUSINESS

June 30, 2018 (In Thousands)

These figures reflect Farmers & Merchants Bank’s continued dedication to strong, sound, conservative banking policies and management. Since 1907, F&M Bank has always provided clients that extra measure of security.

ASSETS

Cash and due from banks:

Noninterest-bearing balances ...............................$ 61,154

Interest-bearing balances ....................................... 238,016

Total cash and due from banks ...................................... 299,170

Securities available-for-sale, at fair value .................. 152,262

Securities held-to-maturity, at amortized cost .......... 2,673,711

Total cash and securities ......................................... 3,125,143

Loans held-for-sale ........................................................... 16,018

Loans, net ............................................................................. 3,939,843

Investments in FHLB and FRB stock ............................ 20,690

Bank premises and equipment, net.............................. 97,483

Net deferred tax assets ................................................... 21,337

Other assets ........................................................................ 53,855

Total Assets ....................................................................... $ 7,274,369

LIABILITIES

Deposits:

Noninterest-bearing demand deposits ................$ 2,144,526

Interest-bearing demand deposits ........................ 1,090,065

Savings and money market savings ..................... 1,594,576

Time deposits ............................................................... 759,783

Total deposits ....................................................... 5,588,950

Securities sold under repurchase agreements ........ 664,127

Other liabilities .................................................................... 26,791

Total liabilities .............................................................. 6,279,868

STOCKHOLDERS’ EQUITY Common stock .................................................................... 2,619

Additional paid-in capital................................................. 112,044

Retained earnings ............................................................. 881,172

Accumulated other comprehensive income ............. (1,334)

Total stockholders’ equity ........................................ 994,501

Total Liabilities & Stockholders’ Equity .................... $ 7,274,369

F&M DIRECTORSDaniel K. Walker, Chairman of the Board

Richard W. Darling, Walter M. Florie, William G. Hayter,Timothy W. Jackert, Lawrence J. McLaughlin, Timothy M. Wilson

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Kenneth G. Walker .............................................................. President, Main Office Daniel K. Walker ........................................................Chairman of the Board/CEO W. Henry Walker ..........................................................................................PresidentJohn W.H. Hinrichs ...............................Executive Vice President/CFO/CashierPhillip J. Bond ........................................................Executive Vice President/CCOMelissa Lanfre ...................................................... Executive Vice President/COO

MAIN/ADMINISTRATION

Steven Caroulis ..................................................................Senior Vice PresidentWayne Chan ........................................................................Senior Vice PresidentElsie Chow ...........................................................................Senior Vice PresidentFrank Coleman ......................................... Senior Vice President/Chief AuditorValentina M.H. Fiorentino ............Senior Vice President/Human ResourcesCeleste Gladych .................................................................Senior Vice PresidentReva F. Hines .......................................................................Senior Vice PresidentTaylor L. Hoang ...................................................................Senior Vice PresidentJames H. Ketchersid .........................................................Senior Vice PresidentScott Knuppenburg .......... Senior Vice President/Chief Information OfficerJohn G. Lopez ............................................. Senior Vice President/ComplianceTy Lynch ...............................................................................Senior Vice PresidentMichael McCarthy .............................................................Senior Vice PresidentKellie McGahuey ................................................................Senior Vice PresidentAdam Michaelson ................ Senior Vice President/Chief Marketing OfficerSean A. Miller .....................................................................Senior Vice PresidentJudith Morales Long .........................................................Senior Vice PresidentGregory Sachs ....................Senior Vice President/Chief Technology OfficerKathleen Salmons ............................Senior Vice President/Chief Risk OfficerPhilip L. Sblendorio............................................................Senior Vice PresidentBrian Skelton ......................................................................Senior Vice PresidentJeffery R. Spinelli-Faris ...................................................Senior Vice PresidentKevin M. Tiber.....................................................................Senior Vice PresidentRichard Veerman ...............................................................Senior Vice President

SENIOR VICE PRESIDENTS

Miller AkinsDebra M. AllenJason BennettMichele BivensMichael BlevensEmmanuel N. CervantesMarie Derks Patricia J. FrazierOrlando E. Gonzalez Melinda HarrisJamal HemphillCynthia KingScott LorenziniHoward Lu Daniel MacMillan

Valerie A. MagnessAmy MarshHouda MathisonRichard NicholsGregory OgilbeeMartin Renta DavidsRichard RobinsonKara SmithSusan G. SmithSossy SoukiassianMichelle StoehrChristine M. Walker-BowmanAlaine O. WilliamsAggie Yoon

FIRST VICE PRESIDENTS

Margaret V. Achiles-Phillips Cecilia T. ArponLaTanya Birl-WilsonSean BoatmanKevin BosettiGerald BowlerJames BridgesStephanie A. Buonopane

Karen CardenasCamille CatalanoHeather ChastainRichard CheungRoberto ContrerasDawn CordovaMarisela CristichJana D. Curry

VICE PRESIDENTS

VICE PRESIDENTS CONT’DMargaret V. Achiles-Phillips Cecilia T. ArponLaTanya Birl-WilsonSean BoatmanKevin BosettiGerald BowlerJames BridgesStephanie A. BuonopaneKaren CardenasCamille CatalanoHeather ChastainRichard CheungRoberto ContrerasDawn CordovaMarisela CristichJana D. CurryTraci DawsonLeeAnn DayyatVictor De La VegaNancy EngeKirk B. EricksonYvette Fujioka YoshikawaLeslie Gentile

Laura GetzFidencio Gonzales Eva Wong HangAnita Hardy ShawModesta Haro-MendezTheodore Jackson Jr.Melissa Jones-GloverZaheedhusein KhakooCaryn KelleyJustin KroeseMark KugelMerilee LangdonKevin LarsonTuan LeCarrie LeeLamonte LeeSummer R. LieuHazel LimboChristina LingleJovonnie MabrieSandra MarquezRodney P. Martinez

David AbramsHaroun AhmadyPaul AlvarezLiezelyn AndersonSadiqa Anthony Laura AyalaAmanda BlantonDeborah BuchananJavier CabreraPhilip CardenasDenise ChamblissMiguel ChavezNancy Chiem Luciano E. CordovaZulma CortezViviana CruzKristine De Leon-SolivenAmanda EarnestVickie L. Edwardson Michael R. FulbrightTobias GeyeJoel GoemaatJennifer A. HaskillBrendan Holloway

Autumn J. HughesMaria HurtadoAdriana JacoboOlliesha KwesiDanilo LolivaJoseph MezaSharon D. MonroeAura NajarroNicole NiumataLarry D. PribbleLorenzo RamirezDenise ReeserJessica ReyesTerri A. RidallMargaret Soffa-JacksonElizabeth StarkRoger W. SuttonKimberly TabakoDiane ThorntonJoseph A. VoutiritsaMorgan WheelerRhiannon WhiteNathaniel WrightBrian Zbysenski

ASSISTANT VICE PRESIDENTS

Tonya BauschJeff CandaMichael CrouchShani G. Doctor-YuniskisLizelle FamyYolanda E. FuentesDenise GibbsAllison HackettRebecca HurdLorenza Kaiklian

Remedios B. LeeTeresita P. MelvinLuh MetraGale Y. MillerMarisa M. PanisVirginia RamosEdelita SisonGenevieve Van DyckEmily Yamanishi

ASSISTANT CASHIERS

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BELMONT SHOREBret Holloway .....................................................................Senior Vice PresidentTam Dan ...............................................................................Vice PresidentThuy Moesta ........................................................Vice President/ManagerAli Nayebdadash..................................................................Vice PresidentDave Sakamoto ....................................................................Vice PresidentJorge Suarez .......................................................................Vice PresidentYvette Klier ..........................................................Assistant Vice PresidentTaweeporn Vattananavin ................................................Assistant Cashier

BIXBY KNOLLSChris Smith ..............................................................................First Vice PresidentJoseph Mollaie ................................................................................Vice PresidentConnie C. Rodriguez .............................................................Vice PresidentKimberley Rhynes ........................................................ Assistant Vice President

CORONA DEL MARJohn Russell ............................................................................First Vice President Joel Reeling ......................................................................................Vice PresidentNinette Saati ....................................................................................Vice PresidentKirk Van Atta ................................................................. Vice President/ManagerLaura Bergquist ......................................................................... Assistant CashierMary DiRuscio ........................................................................... Assistant CashierYabnee Mata .............................................................................. Assistant Cashier

DOWNEYJohn Casillas ................................................................. Vice President/ManagerLorenza Gilbert ................................................................................Vice PresidentJesse Vargas ...................................................................................Vice President

EAST LONG BEACHKourosh Davatolhagh ....................................................................Vice PresidentJonathan Han ......................................................Vice President/ManagerRigoberto Bahena ................................................Assistant Vice PresidentDiane T. Garcia .....................................................Assistant Vice President

FULLERTONScott R. Dowds .........................................................Senior Vice PresidentKenny J. Lim.................................................................First Vice PresidentHelen L. Eligio ......................................................Vice President/ManagerGerald Malonda ...................................................................Vice PresidentTracy Scholl .........................................................................Vice PresidentLilibeth L. Barsoumian .........................................Assistant Vice President Erin Green .......................................................................Assistant CashierJung Refe .......................................................................Assistant Cashier

GARDEN GROVECynthia Le ............................................................Vice President/ManagerSong Saenam .......................................................................Vice PresidentSandra L. Thomas ................................................................Vice PresidentLisa To ............................................................................. Assistant Vice President

HUNTINGTON BEACHBrian C. Bielicki .......................................................... First Vice PresidentLiliana Dongo .......................................................Vice President/ManagerNathan Joho ........................................................................Vice PresidentJohn D. Wright .....................................................................Vice PresidentElliott Lopez-Araiza ..................................................... Assistant Vice PresidentPenelope Laloulu ............................................................Assistant Cashier

LAGUNA HILLSRudy Kramer .............................................................Senior Vice PresidentAda Baker ............................................................................Vice PresidentMichael Bueche ..............................................................................Vice PresidentDavid Leahy ................................................................... Vice President/ManagerNancy A. Miller ................................................................................Vice President

LAKE FORESTPeter Meyers ...............................................................First Vice PresidentTony Craig .........................................................................................Vice PresidentIng Lee ...............................................................................................Vice PresidentBlaine Nelson................................................................ Vice President/ManagerMaria Lao ....................................................................... Assistant Vice President Genie Jessamine ....................................................................... Assistant Cashier

LAKEWOODJuan R. Arreola .........................................................Senior Vice PresidentRollen Robertson ............................................................................Vice PresidentLizzett Barraza .....................................................Assistant Vice PresidentPatricia A. French ................................................Assistant Vice PresidentBrandon Maloney ................................................Assistant Vice President

LOS ALTOSChrystal Brewer ..................................................................Vice PresidentRaymond Cervantez ............................................ Vice President/ ManagerDaniel K. Ryan ......................................................................Vice PresidentMichael Saenam .............................................................................Vice PresidentAngela Garcia ......................................................Assistant Vice PresidentRhonda Porras ................................................................Assistant Cashier

MEMORIAL HOSPITALLarry Kirk .............................................................Vice President/ManagerStacy Long ...........................................................................Vice President

NEWPORT BEACH Kathy Reed ..........................................................................Senior Vice PresidentCharles Garcia .................................................................................Vice President Vinh T. Hang .........................................................................Vice PresidentAndrew Lewis ......................................................................Vice PresidentBob Martinez ................................................................ Vice President/ManagerFrank Wu ...........................................................................................Vice President Misty Bremner .....................................................Assistant Vice PresidentDon Algama ....................................................................Assistant Cashier

ORANGELois Bergman .......................................................................Vice PresidentMatt Greville ........................................................Vice President/ManagerRobert J. Schoeffler ............................................................Vice PresidentAnkit Shah ...........................................................................Vice President

REDONDO BEACHAlejandro Flores ..................................................................Vice PresidentFaisal Hashmi.......................................................Vice President/Manager Monica Ruiz .........................................................Assistant Vice President

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ROLLING HILLS ESTATESJason L. Anderson .......................................................First Vice PresidentRoy Almeida .........................................................Vice President/ManagerClarinda Campbell ...........................................................................Vice PresidentGeoffrey S. Nadler ...............................................................Vice PresidentCaroline Ta ...........................................................................Vice PresidentDaniele Brown .............................................................. Assistant Vice PresidentMaria Lourdes Soriano ...................................................Assistant Cashier

ROSSMOORTheresa Doyle .....................................................................Vice PresidentLynette Dyer ........................................................Vice President/ManagerAl Stone ...............................................................................Vice PresidentGilberto Cerrillos .................................................Assistant Vice President

SAN CLEMENTEKevin Middleton ...................................................Vice President/ManagerScot Proud ...........................................................................Vice PresidentVickie Van Baalen-Conner ...................................Assistant Vice PresidentDeborah Carter ...............................................................Assistant CashierDaniella McCormick ................................................................. Assistant Cashier

SAN JUAN CAPISTRANOKimberly Davis .................................................................................Vice PresidentMarcos Reyes ......................................................Vice President/ManagerDavid Shahoian ...............................................................................Vice PresidentJ. Dee White ........................................................................Vice PresidentGrace Ward .........................................................Assistant Vice President

SANTA ANAAsif Farooquee ....................................................................Vice PresidentSonya M. Garay ...................................................Vice President/ManagerShannon Murphy .................................................................Vice PresidentAngelica Ocampo.................................................Assistant Vice President

SANTA BARBARAPermilla Mendez ..................................................................Vice PresidentNolan Nicholson ..................................................Vice President/ManagerAdrian Bogle ...................................................................Assistant Cashier

TORRANCEVince Cecere ............................................................Senior Vice PresidentNed S. Stromme ...........................................................First Vice PresidentLeah Bartleet .......................................................................Vice PresidentJennifer Bolante ..................................................................Vice PresidentNancy Miller ...................................................................Assistant Cashier

TUSTINMatthew Doerr ....................................................................Vice PresidentMarc Eguchi .................................................................. Vice President/ManagerMarcia Evans .......................................................................Vice PresidentDenise Smith ....................................................................................Vice PresidentSherry Fateri ........................................................Assistant Vice President

Member FDICFMB.comRev. 07/18

A CENTURY OF WISDOM IN EVERY OFFICEFarmers & Merchants Bank was founded by C.J. Walker in 1907 on the values of Honesty, Integrity, the Home, the Church & Service above Self.

C.J. solidified the family name by reassuring depositors that their money was always safe at F&M Bank. His integrity has been the bedrock under the Walker family’s commitment to safeguard F&M’s clients’ money.

Today, fourth-generation Chairman of the Board and CEO Daniel K. Walker, his brother, President W. Henry Walker, and their father Kenneth Walker, President of the Main Office, manage F&M Bank through the lens of their founding father.

Today, we’re one of California’s strongest banks — and just as it was more than a century ago, F&M Bank still exhibits the strong foundation built on character and concern for its employees, clients and community.

“Safeguarding our clients’ money is a sacred trust.”

C.J. Walker, Founder, 1907