Farmers & Merchants Bancorp (FMCB) 10-K 15 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Feb. 28, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	FARMERS & MERCHANTS BANCORP
Entity Central Index Key	0001085913
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Ex Transition Period	false
Entity Public Float			$ 584,604,000
Entity Common Stock, Shares Outstanding		783,721
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Cash and Cash Equivalents:
Cash and Due from Banks	$ 61,058	$ 65,956
Interest Bearing Deposits with Banks	84,506	121,193
Total Cash and Cash Equivalents	145,564	187,149
Investment Securities:
Available-for-Sale	495,396	481,596
Held-to-Maturity	53,566	54,460
Total Investment Securities	548,962	536,056
Loans & Leases:	2,571,241	2,215,295
Less: Allowance for Credit Losses	55,266	50,342
Loans & Leases, Net	2,515,975	2,164,953
Premises and Equipment, Net	32,623	28,679
Bank Owned Life Insurance, Net	65,117	59,583
Interest Receivable and Other Assets	126,002	99,032
Total Assets	3,434,243	3,075,452
Deposits:
Demand	974,756	832,652
Interest-Bearing Transaction	694,384	601,476
Savings and Money Market	903,665	813,703
Time	490,027	475,397
Total Deposits	3,062,832	2,723,228
Subordinated Debentures	10,310	10,310
Interest Payable and Other Liabilities	49,886	42,254
Total Liabilities	3,123,028	2,775,792
Commitments & Contingencies (See Note 19)
Shareholders' Equity
Preferred Stock: No Par Value, 1,000,000 Shares Authorized, None Issued or Outstanding	0	0
Common Stock: Par Value $0.01, 7,500,000 Shares Authorized, 783,721 and 812,304 Shares Issued and Outstanding at December 31, 2018 and 2017, respectively.	8	8
Additional Paid-In Capital	72,974	93,624
Retained Earnings	241,221	206,845
Accumulated Other Comprehensive Loss	(2,988)	(817)
Total Shareholders' Equity	311,215	299,660
Total Liabilities and Shareholders' Equity	$ 3,434,243	$ 3,075,452

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2018	Dec. 31, 2017
Shareholders' Equity
Preferred Stock, par value (in dollars per share)	$ 0	$ 0
Preferred Stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred Stock, shares issued (in shares)	0	0
Preferred Stock, shares outstanding (in shares)	0	0
Common Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, shares authorized (in shares)	7,500,000	7,500,000
Common Stock, shares issued (in shares)	783,721	812,304
Common Stock, shares outstanding (in shares)	783,721	812,304

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Income
Interest and Fees on Loans & Leases	$ 119,837	$ 102,682	$ 91,570
Interest on Deposits with Banks	2,755	2,060	287
Interest on Investment Securities:
Taxable	9,257	8,123	5,505
Exempt from Federal Tax	1,604	1,747	1,904
Total Interest Income	133,453	114,612	99,266
Interest Expense
Deposits	7,425	5,865	3,807
Borrowed Funds	1	0	18
Subordinated Debentures	524	424	371
Total Interest Expense	7,950	6,289	4,196
Net Interest Income	125,503	108,323	95,070
Provision for Credit Losses	5,533	2,850	6,335
Net Interest Income After Provision for Credit Losses	119,970	105,473	88,735
Non-Interest Income
Service Charges on Deposit Accounts	3,479	3,453	3,376
Net (Loss) Gain on Investment Securities	(1,260)	131	(284)
Increase in Cash Surrender Value of Life Insurance	1,900	1,822	1,864
Debit Card and ATM Fees	4,365	3,873	3,398
Net Gain on Deferred Compensation Investments	1,088	2,563	1,999
Bargain Purchase Gain	0	0	1,832
Other	5,647	4,920	3,072
Total Non-Interest Income	15,219	16,762	15,257
Non-Interest Expense
Salaries and Employee Benefits	50,054	45,746	41,981
Net Gain on Deferred Compensation Investments	1,088	2,563	1,999
Occupancy	3,905	3,543	2,985
Equipment	4,303	3,994	3,493
Marketing	1,232	1,027	1,191
Legal	968	424	966
FDIC Insurance	912	932	897
Gain on Sale of ORE	0	(414)	(5,941)
Acquisition Expenses	2,933	0	910
Other	10,064	9,939	9,691
Total Non-Interest Expense	75,459	67,754	58,172
Income Before Income Taxes	59,730	54,481	45,820
Provision for Income Taxes	14,203	26,111	16,097
Net Income	$ 45,527	$ 28,370	$ 29,723
Basic and Diluted Earnings Per Common Share (in dollars per share)	$ 56.82	$ 35.03	$ 37.44

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Consolidated Statements of Comprehensive Income [Abstract]
Net Income	$ 45,527	$ 28,370	$ 29,723
Other Comprehensive Loss
Net Unrealized Loss on Available-for-Sale Securities	(4,343)	(1,011)	(1,330)
Deferred Tax Benefit Related to Unrealized Losses	1,284	281	559
Reclassification Adjustment for Realized Loss (Gain) on Available-for-Sale Securities Included in Net Income	1,261	(131)	284
Tax (Benefit) Expense Related to Reclassification Adjustment	(373)	55	(119)
Change in Net Unrealized Loss on Available-for-Sale Securities, Net of Tax	(2,171)	(806)	(606)
Total Other Comprehensive Loss	(2,171)	(806)	(606)
Comprehensive Income	$ 43,356	$ 27,564	$ 29,117

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Total
Balance at Dec. 31, 2015	$ 8	$ 81,164	$ 170,068	$ 595	$ 251,835
Balance (in shares) at Dec. 31, 2015	790,787
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income			29,723		29,723
Cash Dividends Declared on Common Stock			(10,478)		(10,478)
Issuance of Common Stock		9,507			9,507
Issuance of Common Stock (in shares)	16,542
Change in Net Unrealized (Loss) Gain on Securities Available-for-Sale				(606)	(606)
Balance at Dec. 31, 2016	$ 8	90,671	189,313	(11)	279,981
Balance (in shares) at Dec. 31, 2016	807,329
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income			28,370		28,370
Cash Dividends Declared on Common Stock			(10,982)		(10,982)
Issuance of Common Stock		2,953			2,953
Issuance of Common Stock (in shares)	4,975
Tax Adjustment of Available-for-Sale Securities Reclassed from AOCI			144	(144)	0
Change in Net Unrealized (Loss) Gain on Securities Available-for-Sale				(662)	(662)
Balance at Dec. 31, 2017	$ 8	93,624	206,845	(817)	$ 299,660
Balance (in shares) at Dec. 31, 2017	812,304				812,304
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income			45,527		$ 45,527
Cash Dividends Declared on Common Stock			(11,151)		(11,151)
Repurchase of Common Stock		(31,152)			(31,152)
Repurchase of Common Stock (in shares)	(44,503)
Issuance of Common Stock		10,502			10,502
Issuance of Common Stock (in shares)	15,920
Change in Net Unrealized (Loss) Gain on Securities Available-for-Sale				(2,171)	(2,171)
Balance at Dec. 31, 2018	$ 8	$ 72,974	$ 241,221	$ (2,988)	$ 311,215
Balance (in shares) at Dec. 31, 2018	783,721				783,721

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash Dividends Declared per Share of Common Stock (in dollars per share)	$ 13.90	$ 13.55	$ 13.10

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Operating Activities
Net Income	$ 45,527	$ 28,370	$ 29,723
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Credit Losses	5,533	2,850	6,335
Depreciation and Amortization	2,421	2,186	1,896
Provision for Deferred Income Taxes	5,462	12,605	(2,299)
Net Amortization of Investment Security Premium & Discounts	861	1,430	1,481
Amortization of Core Deposit Intangible	228	110	13
Accretion of Discount on Acquired Loans	(153)	(202)	(43)
Net Loss (Gain) on Investment Securities	1,260	(131)	284
Net (Gain) Loss on Sale of Property & Equipment	(273)	(1,189)	71
Net Gain on Sale of ORE	0	(414)	(5,941)
Bargain Purchase Gain	0	0	(1,832)
Earnings from Equity Investment	(66)	0	0
Dividends from Equity Investment	63	0	0
Gain on Remeasurement of Previously Held Equity Investment	(997)	0	0
Net Change in Operating Assets & Liabilities:
Net Decrease (Increase) in Interest Receivable and Other Assets	(2,098)	(275)	1,056
Net Increase (Decrease) in Interest Payable and Other Liabilities	6	(5,396)	4,068
Net Cash Provided by Operating Activities	57,774	39,944	34,812
Investing Activities
Purchase of Investment Securities Available-for-Sale	(465,414)	(325,573)	(497,797)
Proceeds from Sold, Matured, or Called Securities Available-for-Sale	550,727	289,857	426,142
Purchase of Investment Securities Held-to-Maturity	(9,813)	(1,205)	(2,264)
Proceeds from Matured, or Called Securities Held-to-Maturity	10,647	4,794	5,499
Net Loans & Leases Paid, Originated or Acquired	(276,066)	(38,178)	(148,960)
Principal Collected on Loans & Leases Previously Charged Off	158	259	232
Cash (Paid) Received from Acquisition, Net	(5,987)	0	31,751
Additions to Premises and Equipment	(4,577)	(4,254)	(1,504)
Purchase of Other Investment	(5,750)	(14,380)	(6,825)
Proceeds from Sale of Property & Equipment	986	3,304	0
Proceeds from Sale of ORE	0	3,186	8,282
Net Cash Used in Investing Activities	(205,089)	(82,190)	(185,444)
Financing Activities
Net Increase in Deposits	148,033	141,517	200,524
Stock Repurchases	(31,152)	0	0
Cash Dividends	(11,151)	(10,982)	(10,478)
Net Cash Provided by (Used by) Financing Activities	105,730	130,535	190,046
Increase (Decrease) in Cash and Cash Equivalents	(41,585)	88,289	39,414
Cash and Cash Equivalents at Beginning of Year	187,149	98,860	59,446
Cash and Cash Equivalents at End of Year	145,564	187,149	98,860
Supplementary Data
Loans Transferred to Foreclosed Assets (ORE)	0	0	538
Cash Payments Made for Income Taxes	7,971	13,942	12,891
Issuance of Common Stock to the Bank's Non-Qualified Retirement Plans	10,502	2,953	2,586
Interest Paid	7,731	6,005	3,856
Acquisitions:
Fair Value of Assets Acquired	234,456
Fair Value of Assets Acquired		0	114,871
Fair Value of Liabilities Acquired	192,809
Fair Value of Liabilities Acquired		0	103,861
Issuance of Common Stock to Acquired Bank's Shareholders	$ 0	$ 0	$ 6,921

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
Significant Accounting Policies [Abstract]
Significant Accounting Policies	1. Significant Accounting Policies Farmers & Merchants Bancorp (the “Company”) was organized March 10, 1999. Primary operations are related to traditional banking activities through its subsidiary Farmers & Merchants Bank of Central California (the “Bank”) which was established in 1916. The Bank’s wholly owned subsidiaries include Farmers & Merchants Investment Corporation and Farmers/Merchants Corp. Farmers & Merchants Investment Corporation has been dormant since 1991. Farmers/Merchants Corp. acts as trustee on deeds of trust originated by the Bank. The Company’s other wholly owned subsidiaries include F & M Bancorp, Inc. and FMCB Statutory Trust I. F & M Bancorp, Inc. was created in March 2002 to protect the name F & M Bank. During 2002, the Company completed a fictitious name filing in California to begin using the streamlined name “F & M Bank” as part of a larger effort to enhance the Company’s image and build brand name recognition. In December 2003, the Company formed a wholly owned subsidiary, FMCB Statutory Trust I, for the sole purpose of issuing Trust Preferred Securities and related subordinated debentures, in accordance with generally accepted accounting principles in the United States (“U.S. GAAP”). FMCB Statutory Trust I is a non-consolidated subsidiary. On October 10, 2018, Farmers & Merchants Bancorp completed the acquisition of the Bank of Rio Vista, headquartered in Rio Vista, California, a locally owned and operated community bank established in 1904. As of the acquisition date, Bank of Rio Vista had approximately $217.5 million in assets and three branch locations in the communities of Rio Vista, Walnut Grove, and Lodi. Since the Company had a 39.65% interest in Bank of Rio Vista prior to the acquisition of the remaining interest, the transaction was accounted for as a business combination achieved in stages or a step acquisition. The Company, through an independent valuation, remeasured its previously held equity interest in Bank of Rio Vista at fair value, which resulted in a gain for the excess of the acquisition-date fair value over its carrying value of $997,000 which is included in other non-interest income in the consolidated statements of income. At the effective time of the acquisition, Bank of Rio Vista was merged into Farmers & Merchants Bank of Central California. On November 18, 2016, Farmers & Merchants Bancorp completed the acquisition of Delta National Bancorp, headquartered in Manteca, California, and the parent holding company for Delta Bank N.A., a locally owned and operated community bank established in 1973. As of the acquisition date, Delta National Bancorp had approximately $112 million in assets and four branch locations in the communities of Manteca, Riverbank, Modesto and Turlock. At the effective time of the acquisition, Delta National Bancorp was merged into Farmers & Merchants Bancorp and Delta Bank, N.A. was merged into Farmers & Merchants Bank of Central California. The accounting and reporting policies of the Company conform to U.S. GAAP and prevailing practice within the banking industry. The following is a summary of the significant accounting and reporting policies used in preparing the consolidated financial statements. Basis of Presentation The accompanying consolidated financial statements and notes thereto have been prepared in accordance with accounting principles generally accepted in the United States of America for financial information. The accompanying consolidated financial statements include the accounts of the Company and the Company’s wholly owned subsidiaries, F & M Bancorp, Inc. and the Bank, along with the Bank’s wholly owned subsidiaries, Farmers & Merchants Investment Corporation and Farmers/Merchants Corp. Significant inter-company transactions have been eliminated in consolidation. The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. Certain amounts in the prior years’ financial statements and related footnote disclosures have been reclassified to conform to the current-year presentation. These reclassifications had no effect on previously reported net income or total shareholders’ equity. Out of Period Adjustment During the quarter ended September 30, 2018, while preparing 2017 tax returns, the Company identified certain items related to IRS Code Section 162(m) that were not appropriately reflected in the 2014 through 2017 Provision for Income Taxes. To reflect this change, the cumulative impact of $990,000 was recognized by reducing the Company’s Provision for Income Taxes in the third quarter of 2018. After evaluating the quantitative and qualitative aspects of the adjustment, the Company concluded that its prior period financial statements were not materially misstated and, therefore, no restatement was required. Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606”). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Company elected to use the modified retrospective transition method which requires application of ASU 2014-09 to uncompleted contracts at the date of adoption however, periods prior to the date of adoption will not be retrospectively revised as the impact of the ASU on uncompleted contracts at the date of adoption was not material. The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is limited judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers. Cash and Cash Equivalents For purposes of the Consolidated Statements of Cash Flows, the Company has defined cash and cash equivalents as those amounts included in the balance sheet captions Cash and Due from Banks, Interest Bearing Deposits with Banks, Federal Funds Sold which have maturity dates of 3 months or less. For these instruments, the carrying amount is a reasonable estimate of fair value. Investment Securities Investment securities are classified at the time of purchase as held-to-maturity (“HTM”) if it is management’s intent and the Company has the ability to hold the securities until maturity. These securities are carried at cost, adjusted for amortization of premium and accretion of discount using a level yield of interest over the estimated remaining period until maturity. Losses, reflecting a decline in value judged by the Company to be other than temporary, are recognized in the period in which they occur. Securities are classified as available-for-sale (“AFS”) if it is management’s intent, at the time of purchase, to hold the securities for an indefinite period of time and/or to use the securities as part of the Company’s asset/liability management strategy. These securities are reported at fair value with aggregate unrealized gains or losses excluded from income and included as a separate component of shareholders’ equity, net of related income taxes. Fair values are based on quoted market prices or broker/dealer price quotations on a specific identification basis. Gains or losses on the sale of these securities are computed using the specific identification method. Trading securities, if any, are acquired for short-term appreciation and are recorded in a trading portfolio and are carried at fair value, with unrealized gains and losses recorded in non-interest income. Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: (1) OTTI related to credit loss, which must be recognized in the income statement; and (2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of a market adjustment is recognized through earnings. Securities Sold Under Agreement to Repurchase Securities Sold Under Agreement to Repurchase are used as secured borrowing alternatives to FHLB Advances or FRB Borrowings. Loans & Leases Loans & leases are reported at the principal amount outstanding net of unearned discounts and deferred loan & lease fees and costs. Interest income on loans & leases is accrued daily on the outstanding balances using the simple interest method. Loan & lease origination fees are deferred and recognized over the contractual life of the loan or lease as an adjustment to the yield. Loans & leases are placed on non-accrual status when the collection of principal or interest is in doubt or when they become past due for 90 days or more unless they are both well-secured and in the process of collection. For this purpose, a loan or lease is considered well-secured if it is collateralized by property having a net realizable value in excess of the amount of the loan or lease or is guaranteed by a financially capable party. When a loan or lease is placed on non-accrual status, the accrued and unpaid interest receivable is reversed and charged against current income; thereafter, interest income is recognized only as it is collected in cash. Additionally, cash would be applied to principal if all principal was not expected to be collected. Loans & leases placed on non-accrual status are returned to accrual status when the loans or leases are paid current as to principal and interest and future payments are expected to be made in accordance with the contractual terms of the loan or lease. A loan or lease is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Impaired loans & leases are either: (1) non-accrual loans & leases; or (2) restructured loans & leases that are still accruing interest. Loans or leases determined to be impaired are individually evaluated for impairment. When a loan or lease is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan or lease’s effective interest rate, except that as a practical expedient, it may measure impairment based on a loan or lease’s observable market price, or the fair value of the collateral if the loan or lease is collateral dependent. A loan or lease is collateral dependent if the repayment of the loan or lease is expected to be provided solely by the underlying collateral. A restructuring of a loan or lease constitutes a troubled debt restructuring (TDR) if the Company for economic or legal reasons related to the borrower’s (the term “borrower” is used herein to describe a customer who has entered into either a loan or lease transaction) financial difficulties grants a concession to the borrower that it would not otherwise consider. Restructured loans & leases typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. If the restructured loan or lease was current on all payments at the time of restructure and management reasonably expects the borrower will continue to perform after the restructure, management may keep the loan or lease on accrual. Loans & leases that are on nonaccrual status at the time they become TDR, remain on nonaccrual status until the borrower demonstrates a sustained period of performance, which the Company generally believes to be six consecutive months of payments, or equivalent. A loan or lease can be removed from TDR status if it was restructured at a market rate in a prior calendar year and is currently in compliance with its modified terms. However, these loans or leases continue to be classified as impaired and are individually evaluated for impairment as described above. Generally, the Company will not restructure loans or leases for borrowers unless: (1) the existing loan or lease is brought current as to principal and interest payments; and (2) the restructured loan or lease can be underwritten to reasonable underwriting standards. If these standards are not met other actions will be pursued (e.g., foreclosure) to collect outstanding loan or lease amounts. After restructure, a determination is made whether the loan or lease will be kept on accrual status based upon the underwriting and historical performance of the restructured credit. Allowance for Credit Losses The allowance for credit losses is an estimate of probable incurred credit losses inherent in the Company’s loan & lease portfolio as of the balance sheet date. The allowance is established through a provision for credit losses, which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan & lease growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of three primary components: specific reserves related to impaired loans & leases; general reserves for inherent losses related to loans & leases that are not impaired; and an unallocated component that takes into account the imprecision in estimating and allocating allowance balances associated with macro factors. The determination of the general reserve for loans & leases that are collectively evaluated for impairment is based on estimates made by management, to include, but not limited to, consideration of historical losses by portfolio segment, internal asset classifications, qualitative factors that include economic trends in the Company’s service areas, industry experience and trends, geographic concentrations, estimated collateral values, the Company’s underwriting policies, the character of the loan & lease portfolio, and probable losses inherent in the portfolio taken as a whole. The Company maintains a separate allowance for each portfolio segment (loan & lease type). These portfolio segments include: (1) commercial real estate; (2) agricultural real estate; (3) real estate construction (including land and development loans); (4) residential 1 st The Company assigns a risk rating to all loans & leases and periodically performs detailed reviews of all such loans & leases over a certain threshold to identify credit risks and assess overall collectability. For smaller balance loans & leases, such as consumer and residential real estate, a credit grade is established at inception, and then updated only when the loan or lease becomes contractually delinquent or when the borrower requests a modification. For larger balance loans, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans & leases. These credit quality indicators are used to assign a risk rating to each individual loan or lease. These risk ratings are also subject to examination by independent specialists engaged by the Company. The risk ratings can be grouped into five major categories, defined as follows: Pass – A pass loan or lease is a strong credit with no existing or known potential weaknesses deserving of management’s close attention. Special Mention – A special mention loan or lease has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or lease or in the Company’s credit position at some future date. Special mention loans & leases are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification. Substandard – A substandard loan or lease is not adequately protected by the current financial condition and paying capacity of the borrower or the value of the collateral pledged, if any. Loans or leases classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well-defined weaknesses include a project’s lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project’s failure to fulfill economic expectations. Doubtful – Loss – Loans or leases classified as loss are considered uncollectible. Once a loan or lease becomes delinquent and repayment becomes questionable, the Company will address collateral shortfalls with the borrower and attempt to obtain additional collateral. If this is not forthcoming and payment in full is unlikely, the Company will estimate its probable loss and immediately charge-off some or all of the balance. The general reserve component of the allowance for credit losses also consists of reserve factors that are based on management’s assessment of the following for each portfolio segment: (1) inherent credit risk; (2) historical losses; and (3) other qualitative factors. These reserve factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment described below: Commercial Real Estate – Commercial real estate mortgage loans are generally considered to possess a higher inherent risk of loss than the Company’s commercial, agricultural and consumer loan types. Adverse economic developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability for properties to produce sufficient cash flow to service debt obligations. Real Estate Construction – Real estate construction loans, including land loans, are generally considered to possess a higher inherent risk of loss than the Company’s commercial, agricultural and consumer loan types. A major risk arises from the necessity to complete projects within specified cost and time lines. Trends in the construction industry significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate values significantly impact the credit quality of these loans, as property values determine the economic viability of construction projects. Commercial – These loans are generally considered to possess a moderate inherent risk of loss because they are shorter-term; typically made to relationship customers; generally underwritten to existing cash flows of operating businesses; and may be collateralized by fixed assets, inventory and/or accounts receivable. Debt coverage is provided by business cash flows and economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Agricultural Real Estate and Agricultural – These loans are generally considered to possess a moderate inherent risk of loss since they are typically made to relationship customers and are secured by crop production, livestock and related real estate. These loans are vulnerable to two risk factors that are largely outside the control of Company and borrowers: commodity prices and weather conditions. Leases – Equipment leases are generally considered to possess a moderate inherent risk of loss. As lessor, the Company is subject to both the credit risk of the borrower and the residual value risk of the equipment. Credit risks are underwritten using the same credit criteria the Company would use when making an equipment term loan. Residual value risk is managed through the use of qualified, independent appraisers that establish the residual values the Company uses in structuring a lease. Residential 1st Mortgages and Home Equity Lines and Loans – These loans are generally considered to possess a low inherent risk of loss, although this is not always true as evidenced by the correction in residential real estate values that occurred between 2007 and 2012. The degree of risk in residential real estate lending depends primarily on the loan amount in relation to collateral value, the interest rate and the borrower’s ability to repay in an orderly fashion. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers’ capacity to repay their obligations may be deteriorating. Consumer & Other – A consumer installment loan portfolio is usually comprised of a large number of small loans scheduled to be amortized over a specific period. Most installment loans are made for consumer purchases. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers’ capacity to repay their obligations may be deteriorating. At least quarterly, the Board of Directors reviews the adequacy of the allowance, including consideration of the relative risks in the portfolio, current economic conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews, the allowance is adjusted. In addition, the Company’s and Bank’s regulators, including the Federal Reserve Board (“FRB”), the California Department of Business Oversight (“DBO”) and the Federal Deposit Insurance Corporation (“FDIC”), as an integral part of their examination process, review the adequacy of the allowance. These regulatory agencies may require additions to the allowance based on their judgment about information available at the time of their examinations. Acquired Loans Loans acquired through purchase or through a business combination are recorded at their fair value at the acquisition date. Credit discounts, which reflect estimates of credit losses, expected to be incurred over the life of the loan, are included in the determination of fair value; therefore, an allowance for loan losses is not recorded at the acquisition date. Allowance for Credit Losses on Off-Balance-Sheet Credit Exposures The Company also maintains a separate allowance for off-balance-sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for off-balance-sheet commitments is included in Interest Payable and Other Liabilities on the Company’s Consolidated Balance Sheet. Premises and Equipment Premises, equipment, and leasehold improvements are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the assets. Estimated useful lives of buildings range from 30 to 40 years, and for furniture and equipment from 3 to 7 years. Leasehold improvements are amortized over the lesser of the terms of the respective leases, or their useful lives, which are generally 5 to 10 years. Remodeling and capital improvements are capitalized while maintenance and repairs are charged directly to occupancy expense. Other Real Estate Other real estate, which is included in other assets, is expected to be sold and is comprised of properties no longer utilized for business operations and property acquired through foreclosure in satisfaction of indebtedness. These properties are recorded at fair value less estimated selling costs upon acquisition. Revised estimates to the fair value less cost to sell are reported as adjustments to the carrying amount of the asset, provided that such adjusted value is not in excess of the carrying amount at acquisition. Initial losses on properties acquired through full or partial satisfaction of debt are treated as credit losses and charged to the allowance for credit losses at the time of acquisition. Subsequent declines in value from the recorded amounts, routine holding costs, and gains or losses upon disposition, if any, are included in non-interest expense as incurred. Income Taxes The Company uses the liability method of accounting for income taxes. This method results in the recognition of deferred tax assets and liabilities that are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The deferred provision for income taxes is the result of the net change in the deferred tax asset and deferred tax liability balances during the year. This amount combined with the current taxes payable or refundable results in the income tax expense for the current year. The Company follows the standards set forth in the “Income Taxes” topic of the Financial Accounting Standards Board (“FASB”) Accounting Standard Codification (“ASC”), which clarifies the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. This standard prescribes a recognition threshold and measurement standard for the financial statement recognition and measurement of an income tax position taken or expected to be taken in a tax return. It also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure, and transition. The Company accounts for leases with Investment Tax Credits (ITC) under the deferred method as established in ASC 740-10. ITC are viewed and accounted for as a reduction of the cost of the related assets and presented as deferred income tax on the Company’s financial statement. The Company accounts for its interest in LIHTC using the cost method as established in ASC 323-740. As an investor, the Company obtains income tax credits and deductions from the operating losses of these tax credit entities. The income tax credits and deductions are allocated to the investors based on their ownership percentages and are recorded as a reduction of income tax expense (or an increase to income tax benefit) and a reduction of federal income taxes payable. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying consolidated balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. At December 31, 2018 and 2017, the Company has no material uncertain tax positions and recognized no interest or penalties. The Company’s policy is to recognize interest and penalties related to income taxes in the provision for income taxes in the Consolidated Statement of Income. Basic and Diluted Earnings Per Common Share The Company’s common stock is not traded on any exchange. The shares are primarily held by local residents and are not actively traded. Basic earnings per common share amounts are computed by dividing net income by the weighted average number of common shares outstanding for the period. There are no common stock equivalent shares. Therefore, there is no presentation of diluted basic earnings per common share. See Note 15 for additional information. Segment Reporting The “Segment Reporting” topic of the FASB ASC requires that public companies report certain information about operating segments. It also requires that public companies report certain information about their products and services, the geographic areas in which they operate, and their major customers. The Company is a holding company for a community bank, which offers a wide array of products and services to its customers. Pursuant to its banking strategy, emphasis is placed on building relationships with its customers, as opposed to building specific lines of business. As a result, the Company is not organized around discernible lines of business and prefers to work as an integrated unit to customize solutions for its customers, with business line emphasis and product offerings changing over time as needs and demands change. Comprehensive Income The “Comprehensive Income” topic of the FASB ASC establishes standards for the reporting and display of comprehensive income and its components in the financial statements. Other comprehensive income refers to revenues, expenses, gains, and losses that U.S. GAAP recognize as changes in value to an enterprise but are excluded from net income. For the Company, comprehensive income includes net income and changes in fair value of its available-for-sale investment securities. Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there now are such matters that will have a material effect on the financial statements. Business Combinations And Related Matters Business combinations are accounted for under the acquisition method of accounting in accordance with ASC 805, Business Combinations. Under the acquisition method, the acquiring entity in a business combination recognizes 100 percent of the acquired assets and assumed liabilities, regardless of the percentage owned, at their estimated fair values as of the date of acquisition. Any excess of the fair value over the purchase price of net assets and other identifiable intangible assets acquired is recorded as bargain purchase gain. Assets acquired and liabilities assu

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2018
Business Combinations [Abstract]
Business Combinations	2. Business Combinations Bank of Rio Vista On April 5, 2017, the Company purchased 4.9% of the voting shares of Bank of Rio Vista (BRV). On July 3, 2017, the Federal Reserve Bank of San Francisco approved the Company’s application to acquire additional voting shares and between July 2017 and March 2018 the Company acquired shares bringing its total to 39.65% of the outstanding shares. Initially, the Company, as per requirements outlined in ASC 323-10-15-6, did not have the ability to exercise significant influence over BRV’s operating and financial policies. Accordingly, the investment in BRV was accounted for under the cost method of accounting until March 26, 2018 when the Company entered into a definitive agreement for the acquisition of the remaining 60.35% of the voting shares of Bank of Rio Vista, at which time it changed to the equity method of accounting retroactive to January 1, 2018. On October 10, 2018, the Company completed the acquisition of the remaining shares. Bank of Rio Vista was incorporated under the laws of the State of California on April 12, 1904, and operated as a commercial bank with branches in the cities of Rio Vista, Walnut Grove, and Lodi, California. The acquisition enhances our market presence and added $80.5 million in loans, $191.6 million in deposits and $104.1 million in investment securities to the Company. Effective November 30, 2018, the Lodi branch was closed after Management determined that our customers and the business community could be easily supported from our current Lodi locations. The assets acquired and liabilities assumed, both tangible and intangible, were recorded at their fair values as of the acquisition date in accordance with ASC 805, Business Combinations The following table reflects the book value and estimated fair value of the assets acquired and liabilities assumed related to the Bank of Rio Vista acquisition: Bank of Rio Vista (in thousands) Book Value Fair Value Assets Acquired: Cash and Cash Equivalents $ 22,655 $ 22,655 Investments 104,118 104,118 Loans 78,437 80,494 Core Deposit Intangible - 4,670 Goodwill - 11,183 Deferred Tax 2,813 298 Other Assets 9,470 11,038 Total Assets Acquired $ 217,493 $ 234,456 Liabilities Assumed Deposits: Demand 54,450 54,450 Interest-Bearing Transaction 48,469 48,469 Savings and Money Market 62,839 62,839 Time 25,813 25,813 Total Deposits $ 191,571 $ 191,571 Other Liabilities 1,238 1,238 Total liabilities assumed $ 192,809 $ 192,809 Cash Paid 28,642 Value of Previously Held Equity Interest 13,005 Total Merger Consideration $ 41,647 The following table presents the net assets acquired from Bank of Rio Vista and the estimated fair value adjustment: (in thousands) Acquisition Date October 10, 2018 Book Value of Net Assets Acquired $ 24,684 Fair Value Adjustments: Loans 440 Reversal of Allowance for Loan Loss 1,616 Core Deposit Intangible Asset 4,670 Other Assets & Liabilities, net 1,568 Total Purchase Accounting Adjustments $ 8,294 Deferred Tax Asset (tax effect of purchase accounting adjustments at 29.56%) (2,452 ) DTA Adjustment (62 ) Fair Value of Net Assets Acquired $ 30,464 Merger Consideration 41,647 Fair Value of Net Assets Acquired (30,464 ) Goodwill $ 11,183 The following is a description of the methods used to determine the fair value of significant assets and liabilities presented above. Cash and Cash Equivalents: Investments: Loans: Core Deposit Intangible (CDI): The Company recorded a core deposit intangible asset acquisition of $4.7 million which $120 thousand was amortized in 2018. At December 31, 2018, the future estimated amortization expense on the CDI from the Bank of Rio Vista acquisition is as follows: (in thousands) 2019 2020 2021 2022 2023 Thereafter Total Core deposit Intangible amortization $ 533 $ 524 $ 512 $ 499 $ 481 $ 2,001 $ 4,550 Other Assets: Deposits: The merger consideration is $41.65 million, which includes $28.6 million in cash, to purchase the remaining 2,414 (60.35%) shares outstanding as of October 10, 2018 plus the value of existing 39.65% investment of $13.0 million. The existing holdings were revalued at $8,200 per share based upon valuations completed during the quarter of issuance by a nationally recognized bank consulting and advisory firm. The Company incurred acquisition-related expenses in 2018 for the Bank of Rio Vista acquisition as follows: (in thousands) Year Ended December 31, 2018 Data Processing $ 1,978 Professional Services 950 Other 5 Total $ 2,933

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2018
Investment Securities [Abstract]
Investment Securities	3. Investment Securities The amortized cost, fair values, and unrealized gains and losses of the securities available-for-sale (in thousands) December 31, 2018 Amortized Cost Gross Unrealized Fair/Book Value Gains Losses Government Agency & Government-Sponsored Entities $ 3,033 $ 6 $ - $ 3,039 US Treasury Notes 164,672 - 158 164,514 US Govt SBA 15,601 6 160 15,447 Mortgage Backed Securities (1) 310,982 1,196 5,133 307,045 Other 5,351 - - 5,351 Total $ 499,639 $ 1,208 $ 5,451 $ 495,396 December 31, 2017 Amortized Cost Gross Unrealized Fair/Book Value Gains Losses Government Agency & Government-Sponsored Entities $ 3,080 $ 48 $ - $ 3,128 US Treasury Notes 144,606 - 442 144,164 US Govt SBA 29,559 29 208 29,380 Mortgage Backed Securities (1) 302,502 939 1,527 301,914 Other 3,010 - - 3,010 Total $ 482,757 $ 1,016 $ 2,177 $ 481,596 (1) All Mortgage Backed Securities were issued by an agency or government sponsored entity of the U.S. government. The book values, estimated fair values and unrealized gains and losses of investments classified as held-to-maturity (in thousands) December 31, 2018 Book Value Gross Unrealized Fair Value Gains Losses Obligations of States and Political Subdivisions $ 53,566 $ 211 $ 39 $ 53,738 Total $ 53,566 $ 211 $ 39 $ 53,738 December 31, 2017 Book Value Gross Unrealized Fair Value Gains Losses Obligations of States and Political Subdivisions $ 54,460 $ 776 $ - $ 55,236 Total $ 54,460 $ 776 $ - $ 55,236 Fair values are based on quoted market prices or dealer quotes. If a quoted market price or dealer quote is not available, fair value is estimated using quoted market prices for similar securities. The amortized cost and estimated fair values of investment securities at December 31, 2018 by contractual maturity are shown in the following tables. (in thousands) Available-for-Sale Held-to-Maturity December 31, 2018 Amortized Cost Fair/Book Value Book Value Fair Value Within One Year $ 156,840 $ 156,751 $ 2,340 $ 2,342 After One Year Through Five Years 17,097 17,032 2,161 2,162 After Five Years Through Ten Years 1,474 1,472 21,167 21,292 After Ten Years 13,247 13,096 27,898 27,942 188,658 188,351 53,566 53,738 Investment Securities Not Due at a Single Maturity Date: Mortgage Backed Securities 310,981 307,045 - - Total $ 499,639 $ 495,396 $ 53,566 $ 53,738 Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties. The following tables show those investments with gross unrealized losses and their market value aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at the dates indicated. (in thousands) Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available-for-Sale US Treasury Notes $ 124,985 $ 7 $ 39,529 $ 151 $ 164,514 $ 158 US Govt SBA 3,250 28 8,618 132 11,868 160 Mortgage Backed Securities 52,289 528 207,271 4,605 259,560 5,133 Total $ 180,524 $ 563 $ 255,418 $ 4,888 $ 435,942 $ 5,451 Securities Held-to-Maturity Obligations of States and Political Subdivisions $ 6,052 $ 23 $ 849 $ 16 $ 6,901 $ 39 Total $ 6,052 $ 23 $ 849 $ 16 $ 6,901 $ 39 Less Than 12 Months 12 Months or More Total December 31, 2017 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available-for-Sale US Treasury Notes $ 94,281 $ 144 $ 49,883 $ 298 $ 144,164 $ 442 US Govt SBA 8,379 51 12,900 157 21,279 208 Mortgage Backed Securities 126,863 932 43,208 595 170,071 1,527 Total $ 229,523 $ 1,127 $ 105,991 $ 1,050 $ 335,514 $ 2,177 There were no HTM investments with gross unrealized losses at December 31, 2017. As of December 31, 2018, the Company held 636 investment securities of which 83 were in an unrealized loss position for less than twelve months and 120 securities were in an unrealized loss position for twelve months or more. Management periodically evaluates each investment security for other-than-temporary impairment relying primarily on industry analyst reports and observations of market conditions and interest rate fluctuations. Management believes it will be able to collect all amounts due according to the contractual terms of the underlying investment securities. Securities of Government Agency and Government Sponsored Entities U.S. Treasury Notes U.S. Government SBA Mortgage Backed Securities Obligations of States and Political Subdivisions The unrealized losses on the Company’s investment in obligation of states and political subdivisions were $39,000 at December 31, 2018 and $0 at December 31, 2017. Management believes that any unrealized losses on the Company’s investments in obligations of states and political subdivisions were caused by interest rate fluctuations. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the amortized cost of the investment. Because the Company does not intend to sell the securities and it is more likely than not that the Company would not have to sell the securities before recovery of their cost basis, the Company did not consider these investments to be other-than-temporarily impaired at December 31, 2018 and December 31, 2017. Proceeds from sales and calls of these securities were as follows: (in thousands) Gross Proceeds Gross Gains Gross Losses 2018 $ 99,323 $ 78 $ 1,338 2017 $ 7,831 $ 143 $ 12 2016 $ 105,941 $ 250 $ 534 Pledged Securities As of December 31, 2018, securities carried at $268.8 million were pledged to secure public deposits, Federal Home Loan Bank (“FHLB”) borrowings, and other government agency deposits as required by law. This amount was $214.5 million at December 31, 2017.

Federal Home Loan Bank Stock an

Federal Home Loan Bank Stock and Other Equity Securities, at Cost	12 Months Ended
	Dec. 31, 2018
Federal Home Loan Bank Stock and Other Equity Securities, at Cost [Abstract]
Federal Home Loan Bank Stock and Other Equity Securities, at Cost	4. Federal Home Loan Bank Stock and Other Equity Securities, at Cost The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock and other equity securities are carried at cost, classified as restricted securities, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income. FHLB stock and other equity securities are reported in Interest Receivable and Other Assets on the Company’s Consolidated Balance Sheets and totaled $12.6 million at December 31, 2018 and $22.6 million, which included the $12 million (39.65%) investment in Bank of Rio Vista stock at December 31, 2017.

Loans & Leases

Loans & Leases	12 Months Ended
	Dec. 31, 2018
Loans & Leases [Abstract]
Loans & Leases	5. Loans & Leases Loans & leases as of December 31 consisted of the following: (in thousands) 2018 2017 Commercial Real Estate $ 834,476 $ 691,639 Agricultural Real Estate 584,625 499,231 Real Estate Construction 98,568 100,206 Residential 1st Mortgages 259,736 260,751 Home Equity Lines and Loans 40,789 34,525 Agricultural 290,463 273,582 Commercial 343,834 265,703 Consumer & Other 19,412 6,656 Leases 106,217 88,957 Total Gross Loans & Leases 2,578,120 2,221,250 Less: Unearned Income 6,879 5,955 Subtotal 2,571,241 2,215,295 Less: Allowance for Credit Losses 55,266 50,342 Loans & Leases, Net $ 2,515,975 $ 2,164,953 Loan growth for the year ending December 31, 2018 was $356.9 million, which included $80.5 million from the BRV acquisition. At December 31, 2018, the portion of loans that were approved for pledging as collateral on borrowing lines with the Federal Home Loan Bank (“FHLB”) and the Federal Reserve Bank (“FRB”) were $753.6 million and $717.8 million, respectively. The borrowing capacity on these loans was $617.8 million from FHLB and $453.0 million from the FRB.

Allowance for Credit Losses

Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2018
Allowance for Credit Losses [Abstract]
Allowance for Credit Losses	6. Allowance for Credit Losses The following tables show the allocation of the allowance for credit losses at December 31, 2018 and December 31, 2017 by portfolio segment and by impairment methodology (in thousands) December 31, 2018 Commercial Real Estate Agricultural Real Estate Real Estate Construction Residential 1st Mortgages Home Equity Lines & Loans Agricultural Commercial Consumer & Other Leases Unallocated Total Year-To-Date Allowance for Credit Losses: Beginning Balance- January 1, 2018 $ 10,922 $ 12,085 $ 1,846 $ 815 $ 2,324 $ 8,159 $ 9,197 $ 209 $ 3,363 $ 1,422 $ 50,342 Charge-Offs - - - (31 ) (8 ) - (613 ) (115 ) - - (767 ) Recoveries 2 - - 15 6 61 20 54 - - 158 Provision 685 2,007 (597 ) 81 439 22 3,052 346 659 (1,161 ) 5,533 Ending Balance- December 31, 2018 $ 11,609 $ 14,092 $ 1,249 $ 880 $ 2,761 $ 8,242 $ 11,656 $ 494 $ 4,022 $ 261 $ 55,266 Ending Balance Individually Evaluated for Impairment 234 - - 125 15 - 185 6 - - 565 Ending Balance Collectively Evaluated for Impairment 11,375 14,092 1,249 755 2,746 8,242 11,471 488 4,022 261 54,701 Loans & Leases: Ending Balance $ 826,549 $ 584,625 $ 98,568 $ 259,736 $ 40,789 $ 290,463 $ 343,834 $ 19,412 $ 107,265 $ - $ 2,571,241 Ending Balance Individually Evaluated for Impairment 4,676 7,238 - 2,491 297 - 1,639 6 - - 16,347 Ending Balance Collectively Evaluated for Impairment 821,873 577,387 98,568 257,245 40,492 290,463 342,195 19,406 107,265 - 2,554,894 December 31, 2017 Commercial Real Estate Agricultural Real Estate Real Estate Construction Residential 1st Mortgages Home Equity Lines & Loans Agricultural Commercial Consumer & Other Leases Unallocated Total Year-To-Date Allowance for Credit Losses: Beginning Balance- January 1, 2017 $ 11,110 $ 9,450 $ 3,223 $ 865 $ 2,140 $ 7,381 $ 8,515 $ 200 $ 3,586 $ 1,449 $ 47,919 Charge-Offs (109 ) - - (53 ) (3 ) (374 ) - (146 ) - - (685 ) Recoveries 109 - - 40 8 17 8 76 - - 258 Provision (188 ) 2,635 (1,377 ) (37 ) 179 1,135 674 79 (223 ) (27 ) 2,850 Ending Balance- December 31, 2017 $ 10,922 $ 12,085 $ 1,846 $ 815 $ 2,324 $ 8,159 $ 9,197 $ 209 $ 3,363 $ 1,422 $ 50,342 Ending Balance Individually Evaluated for Impairment 366 - - 73 17 - 220 8 - - 684 Ending Balance Collectively Evaluated for Impairment 10,556 12,085 1,846 742 2,307 8,159 8,977 201 3,363 1,422 49,658 Loans & Leases: Ending Balance $ 684,961 $ 499,231 $ 100,206 $ 260,751 $ 34,525 $ 273,582 $ 265,703 $ 6,656 $ 89,680 $ - $ 2,215,295 Ending Balance Individually Evaluated for Impairment 4,822 - - 2,373 340 - 1,734 10 - - 9,279 Ending Balance Collectively Evaluated for Impairment 680,139 499,231 100,206 258,378 34,185 273,582 263,969 6,646 89,680 - 2,206,016 The ending balance of loans individually evaluated for impairment includes restructured loans in the amount of $2.8 million and $3.0 million at December 31, 2018 and 2017, respectively, which are no longer disclosed or classified as TDR’s. The following tables show the loan & lease portfolio allocated by management’s internal risk ratings at December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 Pass Special Mention Substandard Total Loans Loans & Leases: Commercial Real Estate $ 823,983 $ 2,566 $ - $ 826,549 Agricultural Real Estate 566,612 4,703 13,310 584,625 Real Estate Construction 98,568 - - 98,568 Residential 1st Mortgages 259,208 - 528 259,736 Home Equity Lines and Loans 40,744 - 45 40,789 Agricultural 284,561 5,433 469 290,463 Commercial 343,085 163 586 343,834 Consumer & Other 19,229 - 183 19,412 Leases 107,265 - - 107,265 Total $ 2,543,255 $ 12,865 $ 15,121 $ 2,571,241 December 31, 2017 Pass Special Mention Substandard Total Loans Loans & Leases: Commercial Real Estate $ 677,636 $ 6,843 $ 482 $ 684,961 Agricultural Real Estate 488,672 6,529 4,030 499,231 Real Estate Construction 90,728 9,478 - 100,206 Residential 1st Mortgages 259,795 41 915 260,751 Home Equity Lines and Loans 34,476 - 49 34,525 Agricultural 264,425 6,439 2,718 273,582 Commercial 260,565 4,610 528 265,703 Consumer & Other 6,498 - 158 6,656 Leases 87,497 2,183 - 89,680 Total $ 2,170,292 $ 36,123 $ 8,880 $ 2,215,295 See Note 1. Significant Accounting Policies – Allowance for Credit Losses for a description of the internal risk ratings used by the Company. There were no loans & leases outstanding at December 31, 2018 and 2017 rated doubtful or loss. The following tables show an aging analysis of the loan & lease portfolio by the time past due at December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days and Still Accruing Nonaccrual Total Past Due Current Total Loans & Leases Loans & Leases: Commercial Real Estate $ - $ 731 $ - $ - $ 731 $ 825,818 $ 826,549 Agricultural Real Estate - - - - - 584,625 584,625 Real Estate Construction 327 - - - 327 98,241 98,568 Residential 1st Mortgages 367 - - - 367 259,369 259,736 Home Equity Lines and Loans - - - - - 40,789 40,789 Agricultural - - - - - 290,463 290,463 Commercial - - - - - 343,834 343,834 Consumer & Other 13 - - - 13 19,399 19,412 Leases - - - - - 107,265 107,265 Total $ 707 $ 731 $ - $ - $ 1,438 $ 2,569,803 $ 2,571,241 December 31, 2017 30-59 Days Past Due 60-89 Days Past Due 90 Days and Still Accruing Nonaccrual Total Past Due Current Total Loans & Leases Loans & Leases: Commercial Real Estate $ - $ - $ - $ - $ - $ 684,961 $ 684,961 Agricultural Real Estate - - - - - 499,231 499,231 Real Estate Construction - - - - - 100,206 100,206 Residential 1st Mortgages 448 - - - 448 260,303 260,751 Home Equity Lines and Loans 10 - - - 10 34,515 34,525 Agricultural - - - - - 273,582 273,582 Commercial 180 - - - 180 265,523 265,703 Consumer & Other 7 - - - 7 6,649 6,656 Leases - - - - - 89,680 89,680 Total $ 645 $ - $ - $ - $ 645 $ 2,214,650 $ 2,215,295 There were no non-accrual loans & leases at December 31, 2018 or at December 31, 2017. $0, The following tables show information related to impaired loans & leases at and for the year ended December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial Real Estate $ 95 $ 96 $ - $ 99 $ 8 Agricultural Real Estate 7,239 7,238 - 3,620 119 Residential 1st Mortgages - - - 226 8 $ 7,334 $ 7,334 $ - $ 3,945 $ 135 With an allowance recorded: Commercial Real Estate $ 2,902 $ 2,892 $ 234 $ 2,929 $ 96 Residential 1st Mortgages 1,640 1,838 82 1,371 48 Home Equity Lines and Loans 74 84 4 76 4 Commercial 1,644 1,639 185 1,834 58 Consumer & Other 6 7 6 7 - $ 6,266 $ 6,460 $ 511 $ 6,217 $ 206 Total $ 13,600 $ 13,794 $ 511 $ 10,162 $ 341 December 31, 2017 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial Real Estate $ 104 $ 104 $ - $ 107 $ 11 Agricultural Real Estate - - - 488 - Residential 1st Mortgages 911 1,012 - 532 11 Home Equity Lines and Loans - - - 16 - Agricultural - - - 30 - $ 1,015 $ 1,116 $ - $ 1,173 $ 22 With an allowance recorded: Commercial Real Estate $ 2,973 $ 2,961 $ 366 $ 2,999 $ 104 Residential 1st Mortgages 508 571 25 469 16 Home Equity Lines and Loans 73 89 4 74 3 Agricultural - - - 409 21 Commercial 1,741 1,734 220 1,693 59 Consumer & Other 8 9 8 11 - $ 5,303 $ 5,364 $ 623 $ 5,655 $ 203 Total $ 6,318 $ 6,480 $ 623 $ 6,828 $ 225 Total recorded investment shown in the prior table will not equal the total ending balance of loans & leases individually evaluated for impairment on the allocation of allowance table. This is because this table does not include impaired loans that were previously modified in a troubled debt restructuring, are currently performing and are no longer disclosed or classified as TDR’s. At December 31, 2018, there were no formal foreclosure proceedings in process for consumer mortgage loans secured by residential real estate properties. At December 31, 2018, the Company allocated $511,000 of specific reserves to $13.6 million of troubled debt restructured loans, all of which were performing. At December 31, 2017, the Company allocated $623,000 of specific reserves to $6.3 million of troubled debt restructured loans, all of which were performing. The Company had no commitments at December 31, 2018 and December 31, 2017 to lend additional amounts to customers with outstanding loans that are classified as troubled debt restructurings. During the period ending December 31, 2018, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan were for 5 years. Modifications involving an extension of the maturity date were for 10 years. The following table presents loans by class modified as troubled debt restructured loans for the period ended December 31, 2018 (in thousands) December 31, 2018 Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Agricultural Real Estate 1 $ 7,239 $ 7,239 Residential 1st Mortgages 2 286 255 Total 3 $ 7,525 $ 7,494 The troubled debt restructurings described above had minimal impact on the allowance for credit losses and resulted in charge-offs of $31,000 for the twelve months ended December 31, 2018. During the period ended December 31, 2018, there were no payment defaults on loans modified as troubled debt restructurings within twelve months following the modification. The Company considers a loan to be in payment default once it is greater than 90 days contractually past due under the modified terms. During the period ending December 31, 2017, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan ranged from 3 to 5 years. Modifications involving an extension of the maturity date ranged from 3 to 10 years. The following table presents loans by class modified as troubled debt restructured loans for the period ended December 31, 2017 (in thousands) December 31, 2017 Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Residential 1st Mortgages 2 $ 673 $ 630 Home Equity Lines and Loans 1 32 32 Commercial 2 138 138 Consumer & Other 1 9 8 Total 6 $ 852 $ 808 The troubled debt restructurings described above had no impact on the allowance for credit losses and resulted in charge-offs of $44,000 for the twelve months ended December 31, 2017. During the period ended December 31, 2017, there were no payment defaults on loans modified as troubled debt restructurings within twelve months following the modification. The Company considers a loan to be in payment default once it is greater than 90 days contractually past due under the modified terms.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2018
Premises and Equipment [Abstract]
Premises and Equipment	7. Premises and Equipment Premises and equipment as of December 31 st (in thousands) 2018 2017 Land and Buildings $ 39,329 $ 36,018 Furniture, Fixtures and Equipment 21,136 20,399 Leasehold Improvement 3,606 3,117 Subtotal 64,071 59,534 Less: Accumulated Depreciation and Amortization 31,448 30,855 Total $ 32,623 $ 28,679 Depreciation and amortization on premises and equipment included in occupancy and equipment expense amounted to $2,421,000, $2,186,000, and $1,896,000 for the years ended December 31, 2018, 2017 and 2016, respectively. Total rental expense for premises was $834,000, $688,000, and $644,000 for the years ended December 31, 2018, 2017, and 2016, respectively. Rental income was $173,000, $169,000, and $102,000 for the years ended December 31, 2018, 2017, and 2016, respectively.

Other Real Estate

Other Real Estate	12 Months Ended
	Dec. 31, 2018
Other Real Estate [Abstract]
Other Real Estate	8. Other Real Estate The Bank reported $873,000 in other real estate at December 31, 2018, and $873,000 at December 31, 2017. Other real estate includes property no longer utilized for business operations and property acquired through foreclosure proceedings. These properties are carried at fair value less selling costs determined at the date acquired. Losses, if any, arising from properties acquired through foreclosure are charged against the allowance for loan losses at the time of foreclosure. Subsequent declines in value, periodic holding costs, and net gains or losses on disposition are included in other operating expense as incurred. Other real estate is reported in Interest Receivable and Other Assets on the Company’s Consolidated Balance Sheets.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2018
Time Deposits [Abstract]
Time Deposits	9. Time Deposits Time Deposits of $250,000 or more as of December 31 were as follows: (in thousands) 2018 2017 Balance $ 219,022 $ 212,574 At December 31, 2018, the scheduled maturities of time deposits were as follows: (in thousands) Scheduled Maturities 2019 $ 400,868 2020 74,908 2021 7,779 2022 4,768 2023 1,704 Total $ 490,027

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Taxes [Abstract]
Income Taxes	10. Income Taxes Current and deferred income tax expense (benefit) provided for the years ended December 31 consisted of the following: (in thousands) 2018 2017 2016 Current Federal $ 2,517 $ 9,460 $ 13,101 State 6,224 4,046 4,832 Total Current 8,741 13,506 17,933 Deferred Federal 5,622 11,154 (1,607 ) State (160 ) 1,451 (229 ) Total Deferred 5,462 12,605 (1,836 ) Total Provision for Taxes $ 14,203 $ 26,111 $ 16,097 The total provision for income taxes differs from the federal statutory rate as follows: 2018 2017 2016 (in thousands) Amount Rate Amount Rate Amount Rate Tax Provision at Federal Statutory Rate $ 12,543 21.0 % $ 19,068 35.0 % $ 16,037 35.0 % Interest on Obligations of States and Political Subdivisions exempt from Federal Taxation (338 ) (0.6 %) (617 ) (1.1 %) (675 ) (1.5 %) State and Local Income Taxes, Net of Federal Income Tax Benefit 4,791 7.9 % 3,573 6.5 % 2,992 6.5 % Bank Owned Life Insurance (434 ) (0.7 %) (696 ) (1.3 %) (731 ) (1.6 %) Low-Income Housing Tax Credit (1,624 ) (2.7 %) (1,546 ) (2.8 %) (1,201 ) (2.6 %) Out of Period Adjustment (802 ) (1.3 %) - 0.0 % - 0.0 % Bargain Purchase Gain - 0.0 % - 0.0 % (641 ) (1.4 %) Deferred Tax Asset Remeasurement - 0.0 % 6,256 11.5 % - 0.0 % Other, Net 67 0.1 % 73 0.1 % 316 0.7 % Total Provision for Taxes $ 14,203 23.8 % $ 26,111 47.9 % $ 16,097 35.1 % The components of net deferred tax assets as of December 31 are as follows: The net deferred tax assets are reported in Interest Receivable and Other Assets on the Company’s Consolidated Balance Sheet. (in thousands) 2018 2017 Deferred Tax Assets Allowance for Credit Losses $ 15,877 $ 14,962 Accrued Liabilities 7,444 7,421 Deferred Compensation 11,207 8,996 State Franchise Tax 1,307 850 Acquired Net Operating Loss 715 756 Fair Value Adjustment on Loans Acquired 300 242 Fair Value Adjustment on ORE Acquired 108 108 Unrealized Loss on Securities Available-for-Sale 1,800 373 Low-Income Housing Investment 412 470 Other 7 17 Total Deferred Tax Assets $ 39,177 $ 34,195 Deferred Tax Liabilities Premises and Equipment (2,226 ) (1,361 ) Securities Accretion (229 ) (164 ) Leasing Activities (17,215 ) (12,389 ) Core Deposit Intangible Asset (1,560 ) (247 ) Prepaid (116 ) (964 ) Other (1,000 ) (944 ) Total Deferred Tax Liabilities (22,346 ) (16,069 ) Net Deferred Tax Assets $ 16,831 $ 18,126 The Tax Cuts and Jobs Act of 2017, which lowers the Company’s previous 35% federal corporate tax rate to 21%, was signed into law by President Trump on December 22, 2017. In accordance with the ASC Topic 740, Income Taxes, companies must recognize the effect of tax law changes in the period of enactment. As a result, the Company was required to re-measure its deferred tax assets (DTA) and deferred tax liabilities (DTL) at the new tax rate of 21%. This onetime re-measurement resulted in a $6.3 million increase in the Company’s income tax provision in 2017. Based upon the level of historical taxable income and projections for future taxable income over the periods during which the deferred tax assets are expected to be deductible, Management believes it is more likely than not we will realize the benefit of the remaining deferred tax assets. The net deferred tax assets are reported in Interest Receivable and Other Assets on the Company’s Consolidated Balance Sheet. The Company and its subsidiaries file income tax returns in the U.S. federal and California jurisdictions. With few exceptions, the Company is no longer subject to U.S. federal, state and local, or non-U.S. income tax examinations by the tax authorities for the years before 2014.

Short Term Borrowings

Short Term Borrowings	12 Months Ended
	Dec. 31, 2018
Short Term Borrowings [Abstract]
Short Term Borrowings	11. Short Term Borrowings As of December 31, 2018 and 2017, the Company had unused lines of credit available for short-term liquidity purposes of $1.2 billion and $1.0 billion, respectively. Federal Funds purchased and advances are generally issued on an overnight basis. There were no advances from the FHLB at December 31, 2018 or 2017. There were no Federal Funds purchased or advances from the FRB at December 31, 2018 or 2017.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2018
Federal Home Loan Bank Advances [Abstract]
Federal Home Loan Bank Advances	12. Federal Home Loan Bank Advances The Company had no short-term or long-term advances from the Federal Home Loan Bank of San Francisco at December 31, 2018 or 2017. In accordance with the Collateral Pledge and Security Agreement, advances are secured by all FHLB stock held by the Company. At December 31, 2018, $753.6 million in loans were approved for pledging as collateral on borrowing lines with the FHLB. The borrowing capacity on these loans was $617.8 million.

Long-term Subordinated Debentur

Long-term Subordinated Debentures	12 Months Ended
	Dec. 31, 2018
Long-term Subordinated Debentures [Abstract]
Long-term Subordinated Debentures	13. Long-term Subordinated Debentures In December 2003, the Company formed a wholly owned Connecticut statutory business trust, FMCB Statutory Trust I (“Statutory Trust I”), which issued $10.0 million of guaranteed preferred beneficial interests in the Company’s junior subordinated deferrable interest debentures (the “Trust Preferred Securities”). The Company is not considered the primary beneficiary of the trust (variable interest entity), therefore the trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability. These debentures qualify as Tier 1 capital under current regulatory guidelines. All of the common securities of Statutory Trust I are owned by the Company. The proceeds from the issuance of the common securities and the Trust Preferred Securities were used by FMCB Statutory Trust to purchase $10.3 million of junior subordinated debentures of the Company, which carry a floating rate based on three-month LIBOR plus 2.85%. The debentures represent the sole asset of Statutory Trust I. The Trust Preferred Securities accrue and pay distributions at a floating rate of three-month LIBOR plus 2.85% per annum of the stated liquidation value of $1,000 per capital security. The Company has entered into contractual arrangements which, taken collectively, fully and unconditionally guarantee payment to the extent that Statutory Trust I has funds available therefore of: (i) accrued and unpaid distributions required to be paid on the Trust Preferred Securities; (ii) the redemption price with respect to any Trust Preferred Securities called for redemption by Statutory Trust I; and (iii) payments due upon a voluntary or involuntary dissolution, winding up, or liquidation of Statutory Trust I. The Trust Preferred Securities are mandatorily redeemable upon maturity of the subordinated debentures on December 17, 2033, or upon earlier redemption as provided in the indenture. The Company has the right to redeem the subordinated debentures purchased by Statutory Trust I, in whole or in part, on or after December 17, 2008. As specified in the indenture, if the subordinated debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest. Additionally, if the Company decided to defer interest on the subordinated debentures, the Company would be prohibited from paying cash dividends on the Company’s common stock.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2018
Shareholders' Equity [Abstract]
Shareholders' Equity	14. Shareholders’ Equity In 1998, the Board approved the Company’s first common stock repurchase program. This program has been extended and expanded several times since then, and most recently, on November 6, 2018, the Board of Directors approved an extension of the $20 million stock repurchase program to December 31, 2019. Repurchases under the program may be made from time to time on the open market or through private transactions. The repurchase program also requires that no repurchases may be made if the Bank would not remain “well-capitalized” after the repurchase. There were no stock repurchases made in 2018 or 2017 under the Common Stock Repurchase Plan. However, in the third quarter of 2018 the Company did repurchase $31.2 million of shares, at $700 per share, in a single transaction from the estate of a large shareholder. Dividends from the Bank constitute the principal source of cash to the Company. The Company is a legal entity separate and distinct from the Bank. Under regulations controlling California state chartered banks, the Bank is, to some extent, limited in the amount of dividends that can be paid to the Company without prior approval of the California DBO. These regulations require approval if total dividends declared by a state chartered bank in any calendar year exceed the bank’s net profits for that year combined with its retained net profits for the preceding two calendar years. During 2018, the Company issued a combined total 13,520 shares of common stock to the Bank’s non-qualified defined contribution retirement plans. There were also 2,400 shares issued to individuals during 2018. All of the shares were issued at prices ranging from $635.00 to $690.00 per share based upon valuations completed during the quarter of issuance by a nationally recognized bank consulting and advisory firm and in reliance upon the exemption in Section 4(a)(2) of the Securities Act of 1933, as amended, and the regulations promulgated thereunder. The proceeds were contributed to the Bank as equity capital. During 2017, the Company issued 4,975 shares of common stock. All of these shares were contributed to the Bank’s non-qualified defined contribution retirement plans. The shares issued had prices ranging from $590 per share to $595 per share. These share prices were based upon valuations completed by a nationally recognized bank consulting and advisory firm and in reliance upon the exemption in Section 4(a)(2) of the Securities Act of 1933, as amended, and the regulations promulgated thereunder. The proceeds from these issuances were contributed to the Bank as equity capital. The Company and the Bank are subject to various federal regulatory capital requirements under the Basel III Capital Rules. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company and the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The implementation of Basel III requirements will increase the required capital levels that the Company and the Bank must maintain. The final rules include new minimum risk-based capital and leverage ratios, which would be phased in over time. The new minimum capital level requirements applicable to the Company and the Bank under the final rules will be: (i) a common equity Tier 1 capital ratio of 4.5% of risk-weighted assets (“RWA”); (ii) a Tier 1 capital ratio of 6% of RWA; (iii) a total capital ratio of 8% of RWA; and (iv) a Tier 1 leverage ratio of 4% of total assets. The final rules also establish a “capital conservation buffer” of 2.5% above each of the new regulatory minimum capital ratios, which would result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7.0% of RWA; (ii) a Tier 1 capital ratio of 8.5% of RWA; and (iii) a total capital ratio of 10.5% of RWA. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. The final rules also permit the Company’s subordinated debentures issued in 2003 to continue to be counted as Tier 1 capital. The final rules became effective as applied to the Company and the Bank on January 1, 2015, with a phase in period through January 1, 2019. The Company believes that it is currently in compliance with all of these capital requirements and that they did not result in any restrictions on the Company’s business activity. In addition, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since that notification that management believes have changed the Bank’s category. (in thousands) Actual Current Regulatory Capital Requirements Well Capitalized Under Prompt Corrective Action December 31, 2018 Amount Ratio Amount Ratio Amount Ratio Total Bank Capital to Risk Weighted Assets $ 346,763 11.39 % $ 243,455 8.0 % $ 304,319 10.0 % Total Consolidated Capital to Risk Weighted Assets $ 346,845 11.40 % $ 243,459 8.0 % N/A N/A Total Bank Common Equity Tier 1 Capital Ratio $ 308,507 10.14 % $ 136,944 4.5 % $ 197,807 6.5 % Total Consolidated Common Equity Tier 1 Capital Ratio $ 298,588 9.81 % $ 136,945 4.5 % N/A N/A Tier 1 Bank Capital to Risk Weighted Assets $ 308,507 10.14 % $ 182,591 6.0 % $ 243,455 8.0 % Tier 1 Consolidated Capital to Risk Weighted Assets $ 308,588 10.14 % $ 182,594 6.0 % N/A N/A Tier 1 Bank Capital to Average Assets $ 308,507 9.15 % $ 134,822 3.0 % $ 168,527 5.0 % Tier 1 Consolidated Capital to Average Assets $ 308,588 9.08 % $ 135,949 3.0 % N/A N/A (in thousands) Actual Current Regulatory Capital Requirements Well Capitalized Under Prompt Corrective Action December 31, 2017 Amount Ratio Amount Ratio Amount Ratio Total Bank Capital to Risk Weighted Assets $ 330,041 12.66 % $ 208,552 8.0 % $ 260,691 10.0 % Total Consolidated Capital to Risk Weighted Assets $ 342,210 13.07 % $ 209,532 8.0 % N/A N/A Total Bank Common Equity Tier 1 Capital Ratio $ 297,232 11.40 % $ 117,311 4.5 % $ 169,449 6.5 % Total Consolidated Common Equity Tier 1 Capital Ratio $ 299,401 11.43 % $ 117,862 4.5 % N/A N/A Tier 1 Bank Capital to Risk Weighted Assets $ 297,232 11.40 % $ 156,414 6.0 % $ 208,552 8.0 % Tier 1 Consolidated Capital to Risk Weighted Assets $ 309,250 11.81 % $ 157,150 6.0 % N/A N/A Tier 1 Bank Capital to Average Assets $ 297,232 9.65 % $ 123,178 4.0 % $ 153,972 5.0 % Tier 1 Consolidated Capital to Average Assets $ 309,250 9.99 % $ 123,790 4.0 % N/A N/A As directed by the Economic Growth, Regulatory Relief and Consumer Protection Act, federal bank agencies have issued a joint proposed rule whereby most qualifying community banking organizations with less than $10 billion in total consolidated assets, that meet risk-based qualifying criteria, and have a community bank leverage ratio (“CBLR”) of greater than 9 percent would be able to opt into a new community banking leverage ratio framework. Such a community banking organization would not be subject to other risk-based and leverage capital requirements (including the Basel III and Basel IV requirements) and would be considered to have met the well capitalized ratio requirements. The CBLR is determined by dividing a financial institution’s tangible equity capital by its average.

Dividends and Basic Earnings Pe

Dividends and Basic Earnings Per Common Share	12 Months Ended
	Dec. 31, 2018
Dividends and Basic Earnings Per Common Share [Abstract]
Dividends and Basic Earnings Per Common Share	15. Dividends and Basic Earnings Per Common Share Total cash dividends during 2018 were $11,151,000 or $13.90 per share of common stock, an increase of 2.6% per share from $10,982,000 or $13.55 per share in 2017. In 2016, cash dividends totaled $10,478,000 or $13.10 per share. Basic earnings per common share amounts are computed by dividing net income by the weighted average number of common shares outstanding for the period. The Company has no securities or other contracts, such as stock options, the could require the issuance of common stock. Accordingly, diluted earnings per share are not presented. The following table calculates the basic earnings per common share for the periods indicated. ( net income in thousands 2018 2017 2016 Net Income $ 45,527 $ 28,370 $ 29,723 Weighted Average Number of Common Shares Outstanding 801,229 809,834 793,970 Basic Earnings Per Common Share $ 56.82 $ 35.03 $ 37.44

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2018
Employee Benefit Plans [Abstract]
Employee Benefit Plans	16. Employee Benefit Plans Profit Sharing Plan The Company, through the Bank, sponsors a Profit Sharing Plan for substantially all full-time employees of the Company with one or more years of service. Participants receive up to two annual employer contributions, one is discretionary and the other is mandatory. The discretionary contributions to the Profit Sharing Plan are determined annually by the Board of Directors. The discretionary contributions totaled $1.2 million, $1.0 million, and $975,000 for the years ended December 31, 2018, 2017, and 2016, respectively. The mandatory contributions to the Profit Sharing Plan are made according to a predetermined set of criteria. Mandatory contributions totaled $1.4 million, $1.2 million, and $1.2 million for the years ended December 31, 2018, 2017, and 2016, respectively. Company employees are permitted, within limitations imposed by tax law, to make pretax contributions and after tax (Roth) contributions to the 401(k) feature of the Profit Sharing Plan. The Company does not match employee contributions within the 401(k) feature of the Profit Sharing Plan and the Company can terminate the Profit Sharing Plan at any time. Benefits pursuant to the Profit Sharing Plan vest 0% during the first year of participation, 25% per full year thereafter and after five years such benefits are fully vested. Executive Retirement Plan and Life Insurance Arrangements The Company, through the Bank, sponsors an Executive Retirement Plan for certain executive level employees. The Executive Retirement Plan is a non-qualified defined contribution plan and was developed to supplement the Company’s Profit Sharing Plan, which, as a qualified retirement plan, has a ceiling on benefits as set by the Internal Revenue Service. The Plan is comprised of: (1) a Performance Component which makes contributions based upon long-term cumulative profitability and increase in market value of the Company; (2) a Salary Component which makes contributions based upon participant salary levels; and (3) an Equity Component for which contributions are discretionary and subject to Board of Directors approval. Executive Retirement Plan contributions are invested in a mix of financial instruments; however, the Equity Component contributions are invested primarily in stock of the Company. The Company expensed $6.2 million to the Executive Retirement Plan during the year ended December 31, 2018, $4.3 million during the year ended December 31, 2017 and $3.8 million during the year ended December 31, 2016. The Company’s total accrued liability under the Executive Retirement Plan was $48.5 million as of December 31, 2018 and $43.3 million as of December 31, 2017. All amounts have been fully funded into a Rabbi Trust as of December 31, 2018. The Company has purchased single premium life insurance policies on the lives of certain key employees of the Company. These policies provide: (1) financial protection to the Company in the event of the death of a key employee; and (2) significant income to the Company to offset the expense associated with the Executive Retirement Plan and other employee benefit plans, since the interest earned on the cash surrender value of the policies is tax exempt as long as the policies are used to finance employee benefits. As compensation to each employee for agreeing to allow the Company to purchase an insurance policy on his or her life, split dollar agreements have been entered into with those employees. These agreements provide for a division of the life insurance death proceeds between the Company and each employee’s designated beneficiary or beneficiaries. The Company earned tax-exempt interest on the life insurance policies of $1.9 million for the year ended December 31, 2018, $1.8 million for the year ended December 31, 2017, and $1.9 million for the year ended December 31, 2016. As of December 31, 2018 and 2017, the total cash surrender value of the insurance policies was $65.1 million and $59.6 million, respectively. Senior Management Retention Plan The Company, through the Bank, sponsors a Senior Management Retention Plan (“SMRP”) for certain senior level employees. The SMRP is a non-qualified defined contribution plan and was developed to supplement the Company’s Profit Sharing Plan, which, as a qualified retirement plan, has a ceiling on benefits as set by the Internal Revenue Service. All contributions are discretionary and subject to the Board of Directors approval. Contributions are invested primarily in stock of the Company. The Company expensed $1.5 million to the SMRP during the year ended December 31, 2018, $765,000 during the year ended December 31, 2017 and $627,000 during the year ended December 31, 2016. The Company’s total accrued liability under the SMRP was $5.7 million as of December 31, 2018 and $4.4 million as of December 31, 2017. All amounts have been fully funded into a Rabbi Trust as of December 31, 2018.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2018
Fair Value Measurements [Abstract]
Fair Value Measurements	17. Fair Value Measurements The Company follows the “Fair Value Measurement and Disclosures” topic of the FASB ASC, which establishes a framework for measuring fair value in U.S. GAAP and expands disclosures about fair value measurements. This standard applies whenever other standards require, or permit, assets or liabilities to be measured at fair value but does not expand the use of fair value in any new circumstances. In this standard, the FASB clarifies the principle that fair value should be based on the assumptions market participants would use when pricing the asset or liability. In support of this principle, this standard establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. The fair value hierarchy is as follows: Level 1 inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the entity has the ability to access at the measurement date. Level 2 inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. Level 3 inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Management monitors the availability of observable market data to assess the appropriate classification of financial instruments within the fair value hierarchy. Changes in economic conditions or model-based valuation techniques may require the transfer of financial instruments from one fair value level to another. In such instances, the transfer is reported at the beginning of the reporting period. Management evaluates the significance of transfers between levels based upon the nature of the financial instrument and size of the transfer relative to total assets, total liabilities or total earnings. Securities classified as available-for-sale are reported at fair value on a recurring basis utilizing Level 1, 2 and 3 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. The Company does not record all loans & leases at fair value on a recurring basis. However, from time to time, a loan or lease is considered impaired and an allowance for credit losses is established. Once a loan or lease is identified as individually impaired, management measures impairment in accordance with the “Receivable” topic of the FASB ASC. The fair value of impaired loans or leases is estimated using one of several methods, including collateral value when the loan is collateral dependent, market value of similar debt, enterprise value, and discounted cash flows. Impaired loans & leases not requiring an allowance represent loans & leases for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans & leases. Impaired loans & leases where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. Other Real Estate (“ORE”) is reported at fair value on a non-recurring basis. The following tables present information about the Company’s assets and liabilities measured at fair value on a recurring basis and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value for the periods indicated. Fair Value Measurements At December 31, 2018, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Available-for-Sale Securities: Government Agency & Government-Sponsored Entities $ 3,039 $ - $ 3,039 $ - US Treasury Notes 164,514 164,514 - - US Govt SBA 15,447 - 15,447 - Mortgage Backed Securities 307,045 - 307,045 - Other 5,351 202 310 4,839 Total Assets Measured at Fair Value On a Recurring Basis $ 495,396 $ 164,716 $ 325,841 $ 4,839 Fair Value Measurements At December 31, 2017, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Available-for-Sale Securities: Government Agency & Government-Sponsored Entities $ 3,128 $ - $ 3,128 $ - US Treasury Notes 144,164 144,164 - - US Govt SBA 29,380 - 29,380 - Mortgage Backed Securities 301,914 - 301,914 - Other 3,010 200 310 2,500 Total Assets Measured at Fair Value On a Recurring Basis $ 481,596 $ 144,364 $ 334,732 $ 2,500 Fair values for Level 2 available-for-sale investment securities are based on quoted market prices for similar securities. During the year ended December 31, 2018, there were no transfers in or out of level 1, 2, or 3. The available for sale investment securities categorized as Level 3 assets for year ended December 31, 2018 consisted of: (1) $2.5 million in a limited liability company (LLC) that invests in CRA qualified SBA loans; (2) $1.6 million in registered warrants issued by California reclamation districts; and (3) $745,000 in Pacific Coast Bankers’ Bank and The Independent Bankers’ Bank stock. These securities are not actively traded. The significant unobservable data reflected in the fair value measurement include dealer quotes, projected prepayment speeds/average lives and credit information. There were no gains, losses or transfers in or out of level 3 during the year ended December 31, 2018. The following tables present information about the Company’s impaired loans & leases and other real estate, classes of assets or liabilities that the Company carries at fair value on a non-recurring basis, and indicates the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value for the periods indicated. Not all impaired loans & leases are carried at fair value. Impaired loans & leases are only included in the following tables when their fair value is based upon an appraisal of the collateral, and if that appraisal results in a partial charge-off or the establishment of a specific reserve. Fair Value Measurements At December 31, 2018, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Impaired Loans: Commercial Real Estate $ 2,658 $ - $ - $ 2,658 Residential 1st Mortgage 1,550 - - 1,550 Home Equity Lines and Loans 70 - - 70 Commercial 1,454 - - 1,454 Total Impaired Loans 5,732 - - 5,732 Other Real Estate: Real Estate Construction 873 - - 873 Total Other Real Estate 873 - - 873 Total Assets Measured at Fair Value On a Non-Recurring Basis $ 6,605 $ - $ - $ 6,605 Fair Value Measurements At December 31, 2017, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Impaired Loans: Commercial Real Estate $ 2,595 $ - $ - $ 2,595 Residential 1st Mortgage 997 - - 997 Home Equity Lines and Loans 75 - - 75 Commercial 1,514 - - 1,514 Total Impaired Loans 5,181 - - 5,181 Other Real Estate: Real Estate Construction 873 - - 873 Total Other Real Estate 873 - - 873 Total Assets Measured at Fair Value On a Non-Recurring Basis $ 6,054 $ - $ - $ 6,054 The Company’s property appraisals are primarily based on the sales comparison approach and the income approach methodologies, which consider recent sales of comparable properties, including their income generating characteristics, and then make adjustments to reflect the general assumptions that a market participant would make when analyzing the property for purchase. These adjustments may increase or decrease an appraised value and can vary significantly depending on the location, physical characteristics and income producing potential of each property. Additionally, the quality and volume of market information available at the time of the appraisal can vary from period to period and cause significant changes to the nature and magnitude of comparable sale adjustments. Given these variations, comparable sale adjustments are generally not a reliable indicator for how fair value will increase or decrease from period to period. Under certain circumstances, management discounts are applied based on specific characteristics of an individual property. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at December 31, 2018: (in thousands) Fair Value Valuation Technique Unobservable Inputs Range, Weighted Avg. Impaired Loans: Commercial Real Estate $ 2,658 Income Approach Capitalization Rate 3.25%, 3.25 % Residential 1st Mortgages $ 1,550 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 1% -4%, 3 % Home Equity Lines and Loans $ 70 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 1% - 2%, 2 % Commercial $ 1,454 Income Approach Capitalization Rate 2.95% - 8.70%, 3.40 % Other Real Estate: Real Estate Construction $ 873 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 10%, 10 %

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2018
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	18. Fair Value of Financial Instruments U.S. GAAP requires disclosure of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practical to estimate that value. The estimated fair value amounts have been determined by the Company using available market information and appropriate valuation methodologies. The use of assumptions and various valuation techniques, as well as the absence of secondary markets for certain financial instruments, will likely reduce the comparability of fair value disclosures between financial institutions. In some cases, book value is a reasonable estimate of fair value due to the relatively short period of time between origination of the instrument and its expected realization. The valuation of loans held for investment was impacted by the adoption of ASU 2016-01. In accordance with ASU 2016-01, the fair value of loans held for investment, excluding previously presented impaired loans measured at fair value on a non-recurring basis, is estimated using discounted cash flow analyses. The discount rates used to determine fair value use interest rate spreads that reflect factors such as liquidity, credit, and nonperformance risk of the loans. Loans are considered a Level 3 classification. The following tables summarize the book value and estimated fair value of financial instruments for the periods indicated: Fair Value of Financial Instruments Using December 31, 2018 (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Estimated Fair Value Assets: Cash and Cash Equivalents $ 145,564 $ 145,564 $ - $ - $ 145,564 Investment Securities Available-for-Sale 495,396 164,716 325,841 4,839 495,396 Investment Securities Held-to-Maturity 53,566 - 35,083 18,655 53,738 FHLB Stock 12,636 N/A N/A N/A N/A Loans & Leases, Net of Deferred Fees & Allowance 2,515,975 - - 2,485,182 2,485,182 Accrued Interest Receivable 14,098 - 14,098 - 14,098 Liabilities: Deposits 3,062,832 2,572,805 485,766 - 3,058,571 Subordinated Debentures 10,310 - 7,745 - 7,745 Accrued Interest Payable 1,365 - 1,365 - 1,365 Fair Value of Financial Instruments Using December 31, 2017 (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Estimated Fair Value Assets: Cash and Cash Equivalents $ 187,149 $ 187,149 $ - $ - $ 187,149 Investment Securities Available-for-Sale 481,596 144,364 334,732 2,500 481,596 Investment Securities Held-to-Maturity 54,460 - 38,492 16,744 55,236 FHLB Stock 10,342 N/A N/A N/A N/A Loans & Leases, Net of Deferred Fees & Allowance 2,164,953 - - 2,137,987 2,137,987 Accrued Interest Receivable 10,999 - 10,999 - 10,999 Liabilities: Deposits 2,723,228 2,247,831 472,671 - 2,720,502 Subordinated Debentures 10,310 - 7,428 - 7,428 Accrued Interest Payable 1,137 - 1,137 - 1,137

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies [Abstract]
Commitments and Contingencies	19. Commitments and Contingencies In the normal course of business, the Company enters in to financial instruments with off balance sheet risk in order to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These instruments include commitments to extend credit, letters of credit, and other types of financial guarantees. The Company had the following off balance sheet commitments as of the dates indicated. (in thousands) December 31, 2018 December 31, 2017 Commitments to Extend Credit $ 828,539 $ 735,678 Letters of Credit 19,108 20,061 Performance Guarantees Under Interest Rate Swap Contracts Entered Into Between Our Borrowing Customers and Third Parties - 759 The Company’s exposure to credit loss in the event of nonperformance by the other party with regard to standby letters of credit, undisbursed loan commitments, and financial guarantees is represented by the contractual notional amount of those instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Company uses the same credit policies in making commitments and conditional obligations as it does for recorded balance sheet items. The Company may or may not require collateral or other security to support financial instruments with credit risk. Evaluations of each customer’s creditworthiness are performed on a case-by-case basis. Standby letters of credit are conditional commitments issued by the Company to guarantee performance of or payment for a customer to a third party. Outstanding standby letters of credit have maturity dates ranging from 1 to 37 months with final expiration in January 2022. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company is obligated under a number of noncancellable operating leases for premises and equipment used for banking purposes. Minimum future rental commitments under noncancellable operating leases as of December 31, 2018, were $782,000, $743,000, In the ordinary course of business, the Company becomes involved in litigation arising out of its normal business activities. Management, after consultation with legal counsel, believes that the ultimate liability, if any, resulting from the disposition of such claims would not be material in relation to the financial position of the Company. The Company may be required to maintain average reserves on deposit with the Federal Reserve Bank primarily based on deposits outstanding. There were no reserve requirements during 2018 or 2017.

Recent Accounting Developments

Recent Accounting Developments	12 Months Ended
	Dec. 31, 2018
Recent Accounting Developments [Abstract]
Recent Accounting Developments	20. Recent Accounting Developments Recently Adopted Accounting Guidance The following paragraphs provide descriptions of recently adopted accounting standards that may have had a material effect on the Company’s financial position or results of operations. In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-09, “Revenue from Contracts with Customers” (“ASU 2014-09”), which requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU replaces most existing revenue recognition guidance in GAAP. The new standard was effective for the Company on January 1, 2018. Adoption of ASU 2014-09 did not have a material impact on the Company’s consolidated financial statements and related disclosures as the Company’s primary sources of revenues are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of ASU 2014-09. The Company’s revenue recognition pattern for revenue streams within the scope of ASU 2014-09, including but not limited to service charges on deposit accounts and debit card and ATM fees, did not change significantly from current practice. The standard permits the use of either the full retrospective or modified retrospective transition method. The Company elected to use the modified retrospective transition method which requires application of ASU 2014-09 to uncompleted contracts at the date of adoption however, periods prior to the date of adoption were not retrospectively revised as the impact of the ASU on uncompleted contracts at the date of adoption was not material. In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. Accounting Guidance Pending Adoption at December 31, 2018 The following paragraphs provide descriptions of newly issued but not yet effective accounting standards that could have a material effect on the Company’s financial position or results of operations. In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The ASU will require the earlier recognition of credit losses on loans and other financial instruments based on an expected loss model, replacing the incurred loss model that is currently in use. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. The new guidance is effective on January 1, 2020, with early adoption permitted on January 1, 2019. The Company has selected a vendor to analyze our loan data and has chosen an implementation team. The Company is currently In February 2016, the Financial Accounting Standards Board (FASB) issued a new lease accounting standard that is effective 2019 for public companies. This new standard requires lessees to record assets and liabilities on the balance sheet for all leases with a lease term of 12 months or longer. The new standard increases transparency and comparability by requiring the recognition of right-of-use (“ROU”) assets and lease liabilities on the balance sheet. The new standard requires organizations to recognize the ROU asset and lease liabilities by lessees for those classified as an operating lease under ASC 840. Organization will also need to consider the effect deferred rent will have on the calculation. Under ASC 840, we identified deferred rent to be immaterial and was expensed at the inception of the lease. As such, we have accounted for deferred rent being immaterial under ASC 842. Under the standard, disclosures are required to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. F&M Bank expects to apply the guidance using the cumulative-effect approach, with certain practical expedients available. The standard will be effective for us beginning January 1, 2019, with early adoption permitted. We elected to adopt the standard effective January 1, 2019. We elected the available practical expedients on adoption. In preparation for adoption of the standard, we have implemented internal controls and key system functionality to enable the preparation of financial information. The standard will not have a material impact on our consolidated balance sheets nor on our consolidated income statements. The most significant impact will be the recognition of the ROU assets and lease liabilities for operating leases, while our accounting for capital leases remain substantially unchanged. The Company has retained the services of a third party to assist in the implementation of the new lease accounting standard.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2018
Parent Company Financial Information [Abstract]
Parent Company Financial Information	21. Parent Company Financial Information The following financial information is presented as of December 31 for the periods indicated. Farmers & Merchants Bancorp Condensed Balance Sheets (in thousands) 2018 2017 Cash $ 335 $ 332 Investment in Farmers & Merchants Bank of Central California 321,134 297,643 Investment Securities 409 409 Other Assets (57 ) 12,006 Total Assets $ 321,821 $ 310,390 Subordinated Debentures $ 10,310 $ 10,310 Liabilities 296 420 Shareholders’ Equity 311,215 299,660 Total Liabilities and Shareholders’ Equity $ 321,821 $ 310,390 Farmers & Merchants Bancorp Condensed Statements of Income Year Ended December 31, (in thousands) 2018 2017 2016 Equity in Undistributed Earnings in Farmers & Merchants Bank of Central California $ (26,488 ) $ 5,575 $ 17,043 Dividends from Subsidiary 73,010 23,575 14,275 Interest Income 16 13 11 Other Expenses, Net (1,527 ) (1,552 ) (2,485 ) Tax Benefit 516 759 879 Net Income $ 45,527 $ 28,370 $ 29,723 Farmers & Merchants Bancorp Condensed Statements of Cash Flows Year Ended December 31, (in thousands) 2018 2017 2016 Cash Flows from Operating Activities: Net Income $ 45,527 $ 28,370 $ 29,723 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Equity in Undistributed Net Earnings from Subsidiary 26,488 (5,575 ) (17,043 ) Net (Increase) Decrease in Other Assets (125 ) (11,822 ) (124 ) Net Increase (Decrease) in Liabilities (942 ) 112 49 Net Cash Provided by Operating Activities 70,948 11,085 12,605 Investing Activities: Securities Sold or Matured - 1 - Payments for Business Acquisition (28,642 ) - (2,207 ) Payments for Investments in Subsidiaries (10,503 ) (2,953 ) (2,586 ) Net Cash Used by Investing Activities (39,145 ) (2,952 ) (4,793 ) Financing Activities: Stock Repurchased (31,152 ) - - Issuance of Common Stock 10,503 2,953 2,586 Cash Dividends (11,151 ) (10,982 ) (10,478 ) Net Cash Used by Financing Activities (31,800 ) (8,029 ) (7,892 ) Increase (Decrease) in Cash and Cash Equivalents 3 104 (80 ) Cash and Cash Equivalents at Beginning of Year 332 228 308 Cash and Cash Equivalents at End of Year $ 335 $ 332 $ 228

Quarterly Unaudited Financial D

Quarterly Unaudited Financial Data	12 Months Ended
	Dec. 31, 2018
Quarterly Unaudited Financial Data [Abstract]
Quarterly Unaudited Financial Data	22. Quarterly Unaudited Financial Data The following tables set forth certain unaudited historical quarterly financial data for each of the eight consecutive quarters in 2018 and 2017. This information is derived from unaudited consolidated financial statements that include, in management’s opinion, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation when read in conjunction with the consolidated financial statements and notes thereto included elsewhere in this Form 10-K. 2018 (in thousands except per share data) First Quarter Second Quarter Third Quarter Fourth Quarter Total Total Interest Income $ 30,428 $ 32,161 $ 34,065 $ 36,799 $ 133,453 Total Interest Expense 1,522 1,660 2,157 2,611 7,950 Net Interest Income 28,906 30,501 31,908 34,188 125,503 Provision for Credit Losses 333 500 2,500 2,200 5,533 Net Interest Income After Provision for Credit Losses 28,573 30,001 29,408 31,988 119,970 Total Non-Interest Income 4,665 2,283 4,208 4,063 15,219 Total Non-Interest Expense 19,936 18,145 18,621 18,757 75,459 Income Before Income Taxes 13,302 14,139 14,995 17,294 59,730 Provision for Income Taxes 3,361 3,589 2,995 4,258 14,203 Net Income $ 9,941 $ 10,550 $ 12,000 $ 13,036 $ 45,527 Basic Earnings Per Common Share $ 12.24 $ 12.90 $ 15.12 $ 16.56 $ 56.82 2017 (in thousands except per share data) First Quarter Second Quarter Third Quarter Fourth Quarter Total Total Interest Income $ 27,242 $ 28,069 $ 29,609 $ 29,692 $ 114,612 Total Interest Expense 1,376 1,538 1,759 1,616 6,289 Net Interest Income 25,866 26,531 27,850 28,076 108,323 Provision for Credit Losses 600 650 1,600 - 2,850 Net Interest Income After Provision for Credit Losses 25,266 25,881 26,250 28,076 105,473 Total Non-Interest Income 5,406 3,539 3,638 4,179 16,762 Total Non-Interest Expense 18,422 16,525 16,307 16,500 67,754 Income Before Income Taxes 12,250 12,895 13,581 15,755 54,481 Provision for Income Taxes 4,429 4,708 5,000 11,974 26,111 Net Income $ 7,821 $ 8,187 $ 8,581 $ 3,781 $ 28,370 Basic Earnings Per Common Share $ 9.68 $ 10.12 $ 10.59 $ 4.64 $ 35.03

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2018
Subsequent Events [Abstract]
Subsequent Events	23 Subsequent Events On or about March 15, 2019, the Company will issue 3,586 shares of common stock to the Bank’s non-qualified defined contribution retirement plans at a price of $715 per share based upon a valuation completed by a nationally recognized bank consulting and advisory firm and in reliance upon the exemption in Section 4(a)(2) of the Securities Act of 1933, as amended, and the regulations promulgated thereunder. The proceeds will be contributed to the Bank as equity capital.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2018
Significant Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements and notes thereto have been prepared in accordance with accounting principles generally accepted in the United States of America for financial information. The accompanying consolidated financial statements include the accounts of the Company and the Company’s wholly owned subsidiaries, F & M Bancorp, Inc. and the Bank, along with the Bank’s wholly owned subsidiaries, Farmers & Merchants Investment Corporation and Farmers/Merchants Corp. Significant inter-company transactions have been eliminated in consolidation. The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. Certain amounts in the prior years’ financial statements and related footnote disclosures have been reclassified to conform to the current-year presentation. These reclassifications had no effect on previously reported net income or total shareholders’ equity.
Out of Period Adjustment	Out of Period Adjustment During the quarter ended September 30, 2018, while preparing 2017 tax returns, the Company identified certain items related to IRS Code Section 162(m) that were not appropriately reflected in the 2014 through 2017 Provision for Income Taxes. To reflect this change, the cumulative impact of $990,000 was recognized by reducing the Company’s Provision for Income Taxes in the third quarter of 2018. After evaluating the quantitative and qualitative aspects of the adjustment, the Company concluded that its prior period financial statements were not materially misstated and, therefore, no restatement was required.
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606”). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Company elected to use the modified retrospective transition method which requires application of ASU 2014-09 to uncompleted contracts at the date of adoption however, periods prior to the date of adoption will not be retrospectively revised as the impact of the ASU on uncompleted contracts at the date of adoption was not material. The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is limited judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of the Consolidated Statements of Cash Flows, the Company has defined cash and cash equivalents as those amounts included in the balance sheet captions Cash and Due from Banks, Interest Bearing Deposits with Banks, Federal Funds Sold which have maturity dates of 3 months or less. For these instruments, the carrying amount is a reasonable estimate of fair value.
Investment Securities	Investment Securities Investment securities are classified at the time of purchase as held-to-maturity (“HTM”) if it is management’s intent and the Company has the ability to hold the securities until maturity. These securities are carried at cost, adjusted for amortization of premium and accretion of discount using a level yield of interest over the estimated remaining period until maturity. Losses, reflecting a decline in value judged by the Company to be other than temporary, are recognized in the period in which they occur. Securities are classified as available-for-sale (“AFS”) if it is management’s intent, at the time of purchase, to hold the securities for an indefinite period of time and/or to use the securities as part of the Company’s asset/liability management strategy. These securities are reported at fair value with aggregate unrealized gains or losses excluded from income and included as a separate component of shareholders’ equity, net of related income taxes. Fair values are based on quoted market prices or broker/dealer price quotations on a specific identification basis. Gains or losses on the sale of these securities are computed using the specific identification method. Trading securities, if any, are acquired for short-term appreciation and are recorded in a trading portfolio and are carried at fair value, with unrealized gains and losses recorded in non-interest income. Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: (1) OTTI related to credit loss, which must be recognized in the income statement; and (2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of a market adjustment is recognized through earnings.
Securities Sold Under Agreement to Repurchase	Securities Sold Under Agreement to Repurchase Securities Sold Under Agreement to Repurchase are used as secured borrowing alternatives to FHLB Advances or FRB Borrowings.
Loans & Leases	Loans & Leases Loans & leases are reported at the principal amount outstanding net of unearned discounts and deferred loan & lease fees and costs. Interest income on loans & leases is accrued daily on the outstanding balances using the simple interest method. Loan & lease origination fees are deferred and recognized over the contractual life of the loan or lease as an adjustment to the yield. Loans & leases are placed on non-accrual status when the collection of principal or interest is in doubt or when they become past due for 90 days or more unless they are both well-secured and in the process of collection. For this purpose, a loan or lease is considered well-secured if it is collateralized by property having a net realizable value in excess of the amount of the loan or lease or is guaranteed by a financially capable party. When a loan or lease is placed on non-accrual status, the accrued and unpaid interest receivable is reversed and charged against current income; thereafter, interest income is recognized only as it is collected in cash. Additionally, cash would be applied to principal if all principal was not expected to be collected. Loans & leases placed on non-accrual status are returned to accrual status when the loans or leases are paid current as to principal and interest and future payments are expected to be made in accordance with the contractual terms of the loan or lease. A loan or lease is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Impaired loans & leases are either: (1) non-accrual loans & leases; or (2) restructured loans & leases that are still accruing interest. Loans or leases determined to be impaired are individually evaluated for impairment. When a loan or lease is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan or lease’s effective interest rate, except that as a practical expedient, it may measure impairment based on a loan or lease’s observable market price, or the fair value of the collateral if the loan or lease is collateral dependent. A loan or lease is collateral dependent if the repayment of the loan or lease is expected to be provided solely by the underlying collateral. A restructuring of a loan or lease constitutes a troubled debt restructuring (TDR) if the Company for economic or legal reasons related to the borrower’s (the term “borrower” is used herein to describe a customer who has entered into either a loan or lease transaction) financial difficulties grants a concession to the borrower that it would not otherwise consider. Restructured loans & leases typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. If the restructured loan or lease was current on all payments at the time of restructure and management reasonably expects the borrower will continue to perform after the restructure, management may keep the loan or lease on accrual. Loans & leases that are on nonaccrual status at the time they become TDR, remain on nonaccrual status until the borrower demonstrates a sustained period of performance, which the Company generally believes to be six consecutive months of payments, or equivalent. A loan or lease can be removed from TDR status if it was restructured at a market rate in a prior calendar year and is currently in compliance with its modified terms. However, these loans or leases continue to be classified as impaired and are individually evaluated for impairment as described above. Generally, the Company will not restructure loans or leases for borrowers unless: (1) the existing loan or lease is brought current as to principal and interest payments; and (2) the restructured loan or lease can be underwritten to reasonable underwriting standards. If these standards are not met other actions will be pursued (e.g., foreclosure) to collect outstanding loan or lease amounts. After restructure, a determination is made whether the loan or lease will be kept on accrual status based upon the underwriting and historical performance of the restructured credit.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses is an estimate of probable incurred credit losses inherent in the Company’s loan & lease portfolio as of the balance sheet date. The allowance is established through a provision for credit losses, which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan & lease growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of three primary components: specific reserves related to impaired loans & leases; general reserves for inherent losses related to loans & leases that are not impaired; and an unallocated component that takes into account the imprecision in estimating and allocating allowance balances associated with macro factors. The determination of the general reserve for loans & leases that are collectively evaluated for impairment is based on estimates made by management, to include, but not limited to, consideration of historical losses by portfolio segment, internal asset classifications, qualitative factors that include economic trends in the Company’s service areas, industry experience and trends, geographic concentrations, estimated collateral values, the Company’s underwriting policies, the character of the loan & lease portfolio, and probable losses inherent in the portfolio taken as a whole. The Company maintains a separate allowance for each portfolio segment (loan & lease type). These portfolio segments include: (1) commercial real estate; (2) agricultural real estate; (3) real estate construction (including land and development loans); (4) residential 1 st The Company assigns a risk rating to all loans & leases and periodically performs detailed reviews of all such loans & leases over a certain threshold to identify credit risks and assess overall collectability. For smaller balance loans & leases, such as consumer and residential real estate, a credit grade is established at inception, and then updated only when the loan or lease becomes contractually delinquent or when the borrower requests a modification. For larger balance loans, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans & leases. These credit quality indicators are used to assign a risk rating to each individual loan or lease. These risk ratings are also subject to examination by independent specialists engaged by the Company. The risk ratings can be grouped into five major categories, defined as follows: Pass – A pass loan or lease is a strong credit with no existing or known potential weaknesses deserving of management’s close attention. Special Mention – A special mention loan or lease has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or lease or in the Company’s credit position at some future date. Special mention loans & leases are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification. Substandard – A substandard loan or lease is not adequately protected by the current financial condition and paying capacity of the borrower or the value of the collateral pledged, if any. Loans or leases classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well-defined weaknesses include a project’s lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project’s failure to fulfill economic expectations. Doubtful – Loss – Loans or leases classified as loss are considered uncollectible. Once a loan or lease becomes delinquent and repayment becomes questionable, the Company will address collateral shortfalls with the borrower and attempt to obtain additional collateral. If this is not forthcoming and payment in full is unlikely, the Company will estimate its probable loss and immediately charge-off some or all of the balance. The general reserve component of the allowance for credit losses also consists of reserve factors that are based on management’s assessment of the following for each portfolio segment: (1) inherent credit risk; (2) historical losses; and (3) other qualitative factors. These reserve factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment described below: Commercial Real Estate – Commercial real estate mortgage loans are generally considered to possess a higher inherent risk of loss than the Company’s commercial, agricultural and consumer loan types. Adverse economic developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability for properties to produce sufficient cash flow to service debt obligations. Real Estate Construction – Real estate construction loans, including land loans, are generally considered to possess a higher inherent risk of loss than the Company’s commercial, agricultural and consumer loan types. A major risk arises from the necessity to complete projects within specified cost and time lines. Trends in the construction industry significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate values significantly impact the credit quality of these loans, as property values determine the economic viability of construction projects. Commercial – These loans are generally considered to possess a moderate inherent risk of loss because they are shorter-term; typically made to relationship customers; generally underwritten to existing cash flows of operating businesses; and may be collateralized by fixed assets, inventory and/or accounts receivable. Debt coverage is provided by business cash flows and economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Agricultural Real Estate and Agricultural – These loans are generally considered to possess a moderate inherent risk of loss since they are typically made to relationship customers and are secured by crop production, livestock and related real estate. These loans are vulnerable to two risk factors that are largely outside the control of Company and borrowers: commodity prices and weather conditions. Leases – Equipment leases are generally considered to possess a moderate inherent risk of loss. As lessor, the Company is subject to both the credit risk of the borrower and the residual value risk of the equipment. Credit risks are underwritten using the same credit criteria the Company would use when making an equipment term loan. Residual value risk is managed through the use of qualified, independent appraisers that establish the residual values the Company uses in structuring a lease. Residential 1st Mortgages and Home Equity Lines and Loans – These loans are generally considered to possess a low inherent risk of loss, although this is not always true as evidenced by the correction in residential real estate values that occurred between 2007 and 2012. The degree of risk in residential real estate lending depends primarily on the loan amount in relation to collateral value, the interest rate and the borrower’s ability to repay in an orderly fashion. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers’ capacity to repay their obligations may be deteriorating. Consumer & Other – A consumer installment loan portfolio is usually comprised of a large number of small loans scheduled to be amortized over a specific period. Most installment loans are made for consumer purchases. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers’ capacity to repay their obligations may be deteriorating. At least quarterly, the Board of Directors reviews the adequacy of the allowance, including consideration of the relative risks in the portfolio, current economic conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews, the allowance is adjusted. In addition, the Company’s and Bank’s regulators, including the Federal Reserve Board (“FRB”), the California Department of Business Oversight (“DBO”) and the Federal Deposit Insurance Corporation (“FDIC”), as an integral part of their examination process, review the adequacy of the allowance. These regulatory agencies may require additions to the allowance based on their judgment about information available at the time of their examinations.
Acquired Loans	Acquired Loans Loans acquired through purchase or through a business combination are recorded at their fair value at the acquisition date. Credit discounts, which reflect estimates of credit losses, expected to be incurred over the life of the loan, are included in the determination of fair value; therefore, an allowance for loan losses is not recorded at the acquisition date.
Allowance for Credit Losses on Off-Balance-Sheet Credit Exposures	Allowance for Credit Losses on Off-Balance-Sheet Credit Exposures The Company also maintains a separate allowance for off-balance-sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for off-balance-sheet commitments is included in Interest Payable and Other Liabilities on the Company’s Consolidated Balance Sheet.
Premises and Equipment	Premises and Equipment Premises, equipment, and leasehold improvements are stated at cost, less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the assets. Estimated useful lives of buildings range from 30 to 40 years, and for furniture and equipment from 3 to 7 years. Leasehold improvements are amortized over the lesser of the terms of the respective leases, or their useful lives, which are generally 5 to 10 years. Remodeling and capital improvements are capitalized while maintenance and repairs are charged directly to occupancy expense.
Other Real Estate	Other Real Estate Other real estate, which is included in other assets, is expected to be sold and is comprised of properties no longer utilized for business operations and property acquired through foreclosure in satisfaction of indebtedness. These properties are recorded at fair value less estimated selling costs upon acquisition. Revised estimates to the fair value less cost to sell are reported as adjustments to the carrying amount of the asset, provided that such adjusted value is not in excess of the carrying amount at acquisition. Initial losses on properties acquired through full or partial satisfaction of debt are treated as credit losses and charged to the allowance for credit losses at the time of acquisition. Subsequent declines in value from the recorded amounts, routine holding costs, and gains or losses upon disposition, if any, are included in non-interest expense as incurred.
Income Taxes	Income Taxes The Company uses the liability method of accounting for income taxes. This method results in the recognition of deferred tax assets and liabilities that are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The deferred provision for income taxes is the result of the net change in the deferred tax asset and deferred tax liability balances during the year. This amount combined with the current taxes payable or refundable results in the income tax expense for the current year. The Company follows the standards set forth in the “Income Taxes” topic of the Financial Accounting Standards Board (“FASB”) Accounting Standard Codification (“ASC”), which clarifies the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. This standard prescribes a recognition threshold and measurement standard for the financial statement recognition and measurement of an income tax position taken or expected to be taken in a tax return. It also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure, and transition. The Company accounts for leases with Investment Tax Credits (ITC) under the deferred method as established in ASC 740-10. ITC are viewed and accounted for as a reduction of the cost of the related assets and presented as deferred income tax on the Company’s financial statement. The Company accounts for its interest in LIHTC using the cost method as established in ASC 323-740. As an investor, the Company obtains income tax credits and deductions from the operating losses of these tax credit entities. The income tax credits and deductions are allocated to the investors based on their ownership percentages and are recorded as a reduction of income tax expense (or an increase to income tax benefit) and a reduction of federal income taxes payable. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying consolidated balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. At December 31, 2018 and 2017, the Company has no material uncertain tax positions and recognized no interest or penalties. The Company’s policy is to recognize interest and penalties related to income taxes in the provision for income taxes in the Consolidated Statement of Income.
Basic and Diluted Earnings Per Common Share	Basic and Diluted Earnings Per Common Share The Company’s common stock is not traded on any exchange. The shares are primarily held by local residents and are not actively traded. Basic earnings per common share amounts are computed by dividing net income by the weighted average number of common shares outstanding for the period. There are no common stock equivalent shares. Therefore, there is no presentation of diluted basic earnings per common share. See Note 15 for additional information.
Segment Reporting	Segment Reporting The “Segment Reporting” topic of the FASB ASC requires that public companies report certain information about operating segments. It also requires that public companies report certain information about their products and services, the geographic areas in which they operate, and their major customers. The Company is a holding company for a community bank, which offers a wide array of products and services to its customers. Pursuant to its banking strategy, emphasis is placed on building relationships with its customers, as opposed to building specific lines of business. As a result, the Company is not organized around discernible lines of business and prefers to work as an integrated unit to customize solutions for its customers, with business line emphasis and product offerings changing over time as needs and demands change.
Comprehensive Income	Comprehensive Income The “Comprehensive Income” topic of the FASB ASC establishes standards for the reporting and display of comprehensive income and its components in the financial statements. Other comprehensive income refers to revenues, expenses, gains, and losses that U.S. GAAP recognize as changes in value to an enterprise but are excluded from net income. For the Company, comprehensive income includes net income and changes in fair value of its available-for-sale investment securities.
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there now are such matters that will have a material effect on the financial statements.
Business Combinations And Related Matters	Business Combinations And Related Matters Business combinations are accounted for under the acquisition method of accounting in accordance with ASC 805, Business Combinations. Under the acquisition method, the acquiring entity in a business combination recognizes 100 percent of the acquired assets and assumed liabilities, regardless of the percentage owned, at their estimated fair values as of the date of acquisition. Any excess of the fair value over the purchase price of net assets and other identifiable intangible assets acquired is recorded as bargain purchase gain. Assets acquired and liabilities assumed from contingencies must also be recognized at fair value, if the fair value can be determined during the measurement period. Results of operations of an acquired business are included in the statement of operations from the date of acquisition. Acquisition-related costs, including conversion charges, are expensed as incurred.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets (in thousands) 2019 2020 2021 2022 2023 Thereafter Total Core deposit intangible amortization $ 639 $ 626 $ 611 $ 593 $ 573 $ 2,236 $ 5,278 We make a qualitative assessment of whether it is more likely than not that the fair value of a reporting unit where goodwill is assigned is less than its carrying amount. If we conclude that it is more likely than not that the fair value is more than its carrying amount, no impairment is recorded. Goodwill is tested for impairment on an interim basis if circumstances change or an event occurs between annual tests that would more likely than not reduce the fair value of the reporting unit below its carrying amount. The qualitative assessment includes adverse events or circumstances identified that could negatively affect the reporting units’ fair value as well as positive and mitigating events. Such indicators may include, among others, a significant change in legal factors or in the general business climate, significant change in our stock price and market capitalization, unanticipated competition, and an action or assessment by a regulator. If the fair value of a reporting unit is less than its carrying amount, an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value is recognized. The loss recognized should not exceed the total amount of goodwill allocated to that reporting unit.

Recent Accounting Developments

Recent Accounting Developments (Policies)	12 Months Ended
	Dec. 31, 2018
Recent Accounting Developments [Abstract]
Recent Accounting Developments	Recently Adopted Accounting Guidance The following paragraphs provide descriptions of recently adopted accounting standards that may have had a material effect on the Company’s financial position or results of operations. In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-09, “Revenue from Contracts with Customers” (“ASU 2014-09”), which requires an entity to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers. The ASU replaces most existing revenue recognition guidance in GAAP. The new standard was effective for the Company on January 1, 2018. Adoption of ASU 2014-09 did not have a material impact on the Company’s consolidated financial statements and related disclosures as the Company’s primary sources of revenues are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of ASU 2014-09. The Company’s revenue recognition pattern for revenue streams within the scope of ASU 2014-09, including but not limited to service charges on deposit accounts and debit card and ATM fees, did not change significantly from current practice. The standard permits the use of either the full retrospective or modified retrospective transition method. The Company elected to use the modified retrospective transition method which requires application of ASU 2014-09 to uncompleted contracts at the date of adoption however, periods prior to the date of adoption were not retrospectively revised as the impact of the ASU on uncompleted contracts at the date of adoption was not material. In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income. Accounting Guidance Pending Adoption at December 31, 2018 The following paragraphs provide descriptions of newly issued but not yet effective accounting standards that could have a material effect on the Company’s financial position or results of operations. In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The ASU will require the earlier recognition of credit losses on loans and other financial instruments based on an expected loss model, replacing the incurred loss model that is currently in use. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. The new guidance is effective on January 1, 2020, with early adoption permitted on January 1, 2019. The Company has selected a vendor to analyze our loan data and has chosen an implementation team. The Company is currently In February 2016, the Financial Accounting Standards Board (FASB) issued a new lease accounting standard that is effective 2019 for public companies. This new standard requires lessees to record assets and liabilities on the balance sheet for all leases with a lease term of 12 months or longer. The new standard increases transparency and comparability by requiring the recognition of right-of-use (“ROU”) assets and lease liabilities on the balance sheet. The new standard requires organizations to recognize the ROU asset and lease liabilities by lessees for those classified as an operating lease under ASC 840. Organization will also need to consider the effect deferred rent will have on the calculation. Under ASC 840, we identified deferred rent to be immaterial and was expensed at the inception of the lease. As such, we have accounted for deferred rent being immaterial under ASC 842. Under the standard, disclosures are required to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. F&M Bank expects to apply the guidance using the cumulative-effect approach, with certain practical expedients available. The standard will be effective for us beginning January 1, 2019, with early adoption permitted. We elected to adopt the standard effective January 1, 2019. We elected the available practical expedients on adoption. In preparation for adoption of the standard, we have implemented internal controls and key system functionality to enable the preparation of financial information. The standard will not have a material impact on our consolidated balance sheets nor on our consolidated income statements. The most significant impact will be the recognition of the ROU assets and lease liabilities for operating leases, while our accounting for capital leases remain substantially unchanged. The Company has retained the services of a third party to assist in the implementation of the new lease accounting standard.

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2018
Significant Accounting Policies [Abstract]
Future Estimated Amortization Expense for CDI	At December 31, 2018, the future estimated amortization expense for the CDI arising from our past acquisitions is as follows: (in thousands) 2019 2020 2021 2022 2023 Thereafter Total Core deposit intangible amortization $ 639 $ 626 $ 611 $ 593 $ 573 $ 2,236 $ 5,278

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2018
Business Acquisition [Line Items]
Book Value and Estimated Fair Value of Assets Acquired and Liabilities Assumed	The following table reflects the book value and estimated fair value of the assets acquired and liabilities assumed related to the Bank of Rio Vista acquisition: Bank of Rio Vista (in thousands) Book Value Fair Value Assets Acquired: Cash and Cash Equivalents $ 22,655 $ 22,655 Investments 104,118 104,118 Loans 78,437 80,494 Core Deposit Intangible - 4,670 Goodwill - 11,183 Deferred Tax 2,813 298 Other Assets 9,470 11,038 Total Assets Acquired $ 217,493 $ 234,456 Liabilities Assumed Deposits: Demand 54,450 54,450 Interest-Bearing Transaction 48,469 48,469 Savings and Money Market 62,839 62,839 Time 25,813 25,813 Total Deposits $ 191,571 $ 191,571 Other Liabilities 1,238 1,238 Total liabilities assumed $ 192,809 $ 192,809 Cash Paid 28,642 Value of Previously Held Equity Interest 13,005 Total Merger Consideration $ 41,647
Net Assets Acquired and Estimated Fair Value Adjustment	The following table presents the net assets acquired from Bank of Rio Vista and the estimated fair value adjustment: (in thousands) Acquisition Date October 10, 2018 Book Value of Net Assets Acquired $ 24,684 Fair Value Adjustments: Loans 440 Reversal of Allowance for Loan Loss 1,616 Core Deposit Intangible Asset 4,670 Other Assets & Liabilities, net 1,568 Total Purchase Accounting Adjustments $ 8,294 Deferred Tax Asset (tax effect of purchase accounting adjustments at 29.56%) (2,452 ) DTA Adjustment (62 ) Fair Value of Net Assets Acquired $ 30,464 Merger Consideration 41,647 Fair Value of Net Assets Acquired (30,464 ) Goodwill $ 11,183
Future Estimated Amortization Expense of Acquired Intangibles	At December 31, 2018, the future estimated amortization expense for the CDI arising from our past acquisitions is as follows: (in thousands) 2019 2020 2021 2022 2023 Thereafter Total Core deposit intangible amortization $ 639 $ 626 $ 611 $ 593 $ 573 $ 2,236 $ 5,278
Acquisition Related Expenses	The Company incurred acquisition-related expenses in 2018 for the Bank of Rio Vista acquisition as follows: (in thousands) Year Ended December 31, 2018 Data Processing $ 1,978 Professional Services 950 Other 5 Total $ 2,933
Bank of Rio Vista [Member]
Business Acquisition [Line Items]
Future Estimated Amortization Expense of Acquired Intangibles	At December 31, 2018, the future estimated amortization expense on the CDI from the Bank of Rio Vista acquisition is as follows: (in thousands) 2019 2020 2021 2022 2023 Thereafter Total Core deposit Intangible amortization $ 533 $ 524 $ 512 $ 499 $ 481 $ 2,001 $ 4,550

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2018
Investment Securities [Abstract]
Amortized Cost, Fair Values, and Unrealized Gains and Losses of Securities Available-For-Sale	The amortized cost, fair values, and unrealized gains and losses of the securities available-for-sale (in thousands) December 31, 2018 Amortized Cost Gross Unrealized Fair/Book Value Gains Losses Government Agency & Government-Sponsored Entities $ 3,033 $ 6 $ - $ 3,039 US Treasury Notes 164,672 - 158 164,514 US Govt SBA 15,601 6 160 15,447 Mortgage Backed Securities (1) 310,982 1,196 5,133 307,045 Other 5,351 - - 5,351 Total $ 499,639 $ 1,208 $ 5,451 $ 495,396 December 31, 2017 Amortized Cost Gross Unrealized Fair/Book Value Gains Losses Government Agency & Government-Sponsored Entities $ 3,080 $ 48 $ - $ 3,128 US Treasury Notes 144,606 - 442 144,164 US Govt SBA 29,559 29 208 29,380 Mortgage Backed Securities (1) 302,502 939 1,527 301,914 Other 3,010 - - 3,010 Total $ 482,757 $ 1,016 $ 2,177 $ 481,596 (1) All Mortgage Backed Securities were issued by an agency or government sponsored entity of the U.S. government.
Book Values, Estimated Fair Values and Unrealized Gains and Losses of Investments Classified as Held-To-Maturity	The book values, estimated fair values and unrealized gains and losses of investments classified as held-to-maturity (in thousands) December 31, 2018 Book Value Gross Unrealized Fair Value Gains Losses Obligations of States and Political Subdivisions $ 53,566 $ 211 $ 39 $ 53,738 Total $ 53,566 $ 211 $ 39 $ 53,738 December 31, 2017 Book Value Gross Unrealized Fair Value Gains Losses Obligations of States and Political Subdivisions $ 54,460 $ 776 $ - $ 55,236 Total $ 54,460 $ 776 $ - $ 55,236
Amortized Cost and Estimated Fair Values of Investment Securities by Contractual Maturity	The amortized cost and estimated fair values of investment securities at December 31, 2018 by contractual maturity are shown in the following tables. (in thousands) Available-for-Sale Held-to-Maturity December 31, 2018 Amortized Cost Fair/Book Value Book Value Fair Value Within One Year $ 156,840 $ 156,751 $ 2,340 $ 2,342 After One Year Through Five Years 17,097 17,032 2,161 2,162 After Five Years Through Ten Years 1,474 1,472 21,167 21,292 After Ten Years 13,247 13,096 27,898 27,942 188,658 188,351 53,566 53,738 Investment Securities Not Due at a Single Maturity Date: Mortgage Backed Securities 310,981 307,045 - - Total $ 499,639 $ 495,396 $ 53,566 $ 53,738
Investments with Gross Unrealized Losses and Market Value Aggregated by Investment Category and Length of Time That Individual Securities Have Been In a Continuous Unrealized Loss Position	The following tables show those investments with gross unrealized losses and their market value aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at the dates indicated. (in thousands) Less Than 12 Months 12 Months or More Total December 31, 2018 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available-for-Sale US Treasury Notes $ 124,985 $ 7 $ 39,529 $ 151 $ 164,514 $ 158 US Govt SBA 3,250 28 8,618 132 11,868 160 Mortgage Backed Securities 52,289 528 207,271 4,605 259,560 5,133 Total $ 180,524 $ 563 $ 255,418 $ 4,888 $ 435,942 $ 5,451 Securities Held-to-Maturity Obligations of States and Political Subdivisions $ 6,052 $ 23 $ 849 $ 16 $ 6,901 $ 39 Total $ 6,052 $ 23 $ 849 $ 16 $ 6,901 $ 39 Less Than 12 Months 12 Months or More Total December 31, 2017 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available-for-Sale US Treasury Notes $ 94,281 $ 144 $ 49,883 $ 298 $ 144,164 $ 442 US Govt SBA 8,379 51 12,900 157 21,279 208 Mortgage Backed Securities 126,863 932 43,208 595 170,071 1,527 Total $ 229,523 $ 1,127 $ 105,991 $ 1,050 $ 335,514 $ 2,177
Proceeds from Sales and Calls of Securities	Proceeds from sales and calls of these securities were as follows: (in thousands) Gross Proceeds Gross Gains Gross Losses 2018 $ 99,323 $ 78 $ 1,338 2017 $ 7,831 $ 143 $ 12 2016 $ 105,941 $ 250 $ 534

Loans & Leases (Tables)

Loans & Leases (Tables)	12 Months Ended
	Dec. 31, 2018
Loans & Leases [Abstract]
Loans and Leases	Loans & leases as of December 31 consisted of the following: (in thousands) 2018 2017 Commercial Real Estate $ 834,476 $ 691,639 Agricultural Real Estate 584,625 499,231 Real Estate Construction 98,568 100,206 Residential 1st Mortgages 259,736 260,751 Home Equity Lines and Loans 40,789 34,525 Agricultural 290,463 273,582 Commercial 343,834 265,703 Consumer & Other 19,412 6,656 Leases 106,217 88,957 Total Gross Loans & Leases 2,578,120 2,221,250 Less: Unearned Income 6,879 5,955 Subtotal 2,571,241 2,215,295 Less: Allowance for Credit Losses 55,266 50,342 Loans & Leases, Net $ 2,515,975 $ 2,164,953

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2018
Allowance for Credit Losses [Abstract]
Allocation of Allowance for Credit Losses by Portfolio Segment and by Impairment Methodology	The following tables show the allocation of the allowance for credit losses at December 31, 2018 and December 31, 2017 by portfolio segment and by impairment methodology (in thousands) December 31, 2018 Commercial Real Estate Agricultural Real Estate Real Estate Construction Residential 1st Mortgages Home Equity Lines & Loans Agricultural Commercial Consumer & Other Leases Unallocated Total Year-To-Date Allowance for Credit Losses: Beginning Balance- January 1, 2018 $ 10,922 $ 12,085 $ 1,846 $ 815 $ 2,324 $ 8,159 $ 9,197 $ 209 $ 3,363 $ 1,422 $ 50,342 Charge-Offs - - - (31 ) (8 ) - (613 ) (115 ) - - (767 ) Recoveries 2 - - 15 6 61 20 54 - - 158 Provision 685 2,007 (597 ) 81 439 22 3,052 346 659 (1,161 ) 5,533 Ending Balance- December 31, 2018 $ 11,609 $ 14,092 $ 1,249 $ 880 $ 2,761 $ 8,242 $ 11,656 $ 494 $ 4,022 $ 261 $ 55,266 Ending Balance Individually Evaluated for Impairment 234 - - 125 15 - 185 6 - - 565 Ending Balance Collectively Evaluated for Impairment 11,375 14,092 1,249 755 2,746 8,242 11,471 488 4,022 261 54,701 Loans & Leases: Ending Balance $ 826,549 $ 584,625 $ 98,568 $ 259,736 $ 40,789 $ 290,463 $ 343,834 $ 19,412 $ 107,265 $ - $ 2,571,241 Ending Balance Individually Evaluated for Impairment 4,676 7,238 - 2,491 297 - 1,639 6 - - 16,347 Ending Balance Collectively Evaluated for Impairment 821,873 577,387 98,568 257,245 40,492 290,463 342,195 19,406 107,265 - 2,554,894 December 31, 2017 Commercial Real Estate Agricultural Real Estate Real Estate Construction Residential 1st Mortgages Home Equity Lines & Loans Agricultural Commercial Consumer & Other Leases Unallocated Total Year-To-Date Allowance for Credit Losses: Beginning Balance- January 1, 2017 $ 11,110 $ 9,450 $ 3,223 $ 865 $ 2,140 $ 7,381 $ 8,515 $ 200 $ 3,586 $ 1,449 $ 47,919 Charge-Offs (109 ) - - (53 ) (3 ) (374 ) - (146 ) - - (685 ) Recoveries 109 - - 40 8 17 8 76 - - 258 Provision (188 ) 2,635 (1,377 ) (37 ) 179 1,135 674 79 (223 ) (27 ) 2,850 Ending Balance- December 31, 2017 $ 10,922 $ 12,085 $ 1,846 $ 815 $ 2,324 $ 8,159 $ 9,197 $ 209 $ 3,363 $ 1,422 $ 50,342 Ending Balance Individually Evaluated for Impairment 366 - - 73 17 - 220 8 - - 684 Ending Balance Collectively Evaluated for Impairment 10,556 12,085 1,846 742 2,307 8,159 8,977 201 3,363 1,422 49,658 Loans & Leases: Ending Balance $ 684,961 $ 499,231 $ 100,206 $ 260,751 $ 34,525 $ 273,582 $ 265,703 $ 6,656 $ 89,680 $ - $ 2,215,295 Ending Balance Individually Evaluated for Impairment 4,822 - - 2,373 340 - 1,734 10 - - 9,279 Ending Balance Collectively Evaluated for Impairment 680,139 499,231 100,206 258,378 34,185 273,582 263,969 6,646 89,680 - 2,206,016
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings	The following tables show the loan & lease portfolio allocated by management’s internal risk ratings at December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 Pass Special Mention Substandard Total Loans Loans & Leases: Commercial Real Estate $ 823,983 $ 2,566 $ - $ 826,549 Agricultural Real Estate 566,612 4,703 13,310 584,625 Real Estate Construction 98,568 - - 98,568 Residential 1st Mortgages 259,208 - 528 259,736 Home Equity Lines and Loans 40,744 - 45 40,789 Agricultural 284,561 5,433 469 290,463 Commercial 343,085 163 586 343,834 Consumer & Other 19,229 - 183 19,412 Leases 107,265 - - 107,265 Total $ 2,543,255 $ 12,865 $ 15,121 $ 2,571,241 December 31, 2017 Pass Special Mention Substandard Total Loans Loans & Leases: Commercial Real Estate $ 677,636 $ 6,843 $ 482 $ 684,961 Agricultural Real Estate 488,672 6,529 4,030 499,231 Real Estate Construction 90,728 9,478 - 100,206 Residential 1st Mortgages 259,795 41 915 260,751 Home Equity Lines and Loans 34,476 - 49 34,525 Agricultural 264,425 6,439 2,718 273,582 Commercial 260,565 4,610 528 265,703 Consumer & Other 6,498 - 158 6,656 Leases 87,497 2,183 - 89,680 Total $ 2,170,292 $ 36,123 $ 8,880 $ 2,215,295
Aging Analysis of Loan & Lease Portfolio by Time Past Due	The following tables show an aging analysis of the loan & lease portfolio by the time past due at December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days and Still Accruing Nonaccrual Total Past Due Current Total Loans & Leases Loans & Leases: Commercial Real Estate $ - $ 731 $ - $ - $ 731 $ 825,818 $ 826,549 Agricultural Real Estate - - - - - 584,625 584,625 Real Estate Construction 327 - - - 327 98,241 98,568 Residential 1st Mortgages 367 - - - 367 259,369 259,736 Home Equity Lines and Loans - - - - - 40,789 40,789 Agricultural - - - - - 290,463 290,463 Commercial - - - - - 343,834 343,834 Consumer & Other 13 - - - 13 19,399 19,412 Leases - - - - - 107,265 107,265 Total $ 707 $ 731 $ - $ - $ 1,438 $ 2,569,803 $ 2,571,241 December 31, 2017 30-59 Days Past Due 60-89 Days Past Due 90 Days and Still Accruing Nonaccrual Total Past Due Current Total Loans & Leases Loans & Leases: Commercial Real Estate $ - $ - $ - $ - $ - $ 684,961 $ 684,961 Agricultural Real Estate - - - - - 499,231 499,231 Real Estate Construction - - - - - 100,206 100,206 Residential 1st Mortgages 448 - - - 448 260,303 260,751 Home Equity Lines and Loans 10 - - - 10 34,515 34,525 Agricultural - - - - - 273,582 273,582 Commercial 180 - - - 180 265,523 265,703 Consumer & Other 7 - - - 7 6,649 6,656 Leases - - - - - 89,680 89,680 Total $ 645 $ - $ - $ - $ 645 $ 2,214,650 $ 2,215,295
Impaired Loans & Leases	The following tables show information related to impaired loans & leases at and for the year ended December 31, 2018 and December 31, 2017 (in thousands) December 31, 2018 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial Real Estate $ 95 $ 96 $ - $ 99 $ 8 Agricultural Real Estate 7,239 7,238 - 3,620 119 Residential 1st Mortgages - - - 226 8 $ 7,334 $ 7,334 $ - $ 3,945 $ 135 With an allowance recorded: Commercial Real Estate $ 2,902 $ 2,892 $ 234 $ 2,929 $ 96 Residential 1st Mortgages 1,640 1,838 82 1,371 48 Home Equity Lines and Loans 74 84 4 76 4 Commercial 1,644 1,639 185 1,834 58 Consumer & Other 6 7 6 7 - $ 6,266 $ 6,460 $ 511 $ 6,217 $ 206 Total $ 13,600 $ 13,794 $ 511 $ 10,162 $ 341 December 31, 2017 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial Real Estate $ 104 $ 104 $ - $ 107 $ 11 Agricultural Real Estate - - - 488 - Residential 1st Mortgages 911 1,012 - 532 11 Home Equity Lines and Loans - - - 16 - Agricultural - - - 30 - $ 1,015 $ 1,116 $ - $ 1,173 $ 22 With an allowance recorded: Commercial Real Estate $ 2,973 $ 2,961 $ 366 $ 2,999 $ 104 Residential 1st Mortgages 508 571 25 469 16 Home Equity Lines and Loans 73 89 4 74 3 Agricultural - - - 409 21 Commercial 1,741 1,734 220 1,693 59 Consumer & Other 8 9 8 11 - $ 5,303 $ 5,364 $ 623 $ 5,655 $ 203 Total $ 6,318 $ 6,480 $ 623 $ 6,828 $ 225
Loans & Leases by Class Modified as Troubled Debt Restructured Loans	The following table presents loans by class modified as troubled debt restructured loans for the period ended December 31, 2018 (in thousands) December 31, 2018 Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Agricultural Real Estate 1 $ 7,239 $ 7,239 Residential 1st Mortgages 2 286 255 Total 3 $ 7,525 $ 7,494 The following table presents loans by class modified as troubled debt restructured loans for the period ended December 31, 2017 (in thousands) December 31, 2017 Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Residential 1st Mortgages 2 $ 673 $ 630 Home Equity Lines and Loans 1 32 32 Commercial 2 138 138 Consumer & Other 1 9 8 Total 6 $ 852 $ 808

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment as of December 31 st (in thousands) 2018 2017 Land and Buildings $ 39,329 $ 36,018 Furniture, Fixtures and Equipment 21,136 20,399 Leasehold Improvement 3,606 3,117 Subtotal 64,071 59,534 Less: Accumulated Depreciation and Amortization 31,448 30,855 Total $ 32,623 $ 28,679

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2018
Time Deposits [Abstract]
Time Deposits of $250,000 or More	Time Deposits of $250,000 or more as of December 31 were as follows: (in thousands) 2018 2017 Balance $ 219,022 $ 212,574
Maturities of Time Deposits	At December 31, 2018, the scheduled maturities of time deposits were as follows: (in thousands) Scheduled Maturities 2019 $ 400,868 2020 74,908 2021 7,779 2022 4,768 2023 1,704 Total $ 490,027

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
Income Taxes [Abstract]
Current and Deferred Income Tax Expense (Benefit)	Current and deferred income tax expense (benefit) provided for the years ended December 31 consisted of the following: (in thousands) 2018 2017 2016 Current Federal $ 2,517 $ 9,460 $ 13,101 State 6,224 4,046 4,832 Total Current 8,741 13,506 17,933 Deferred Federal 5,622 11,154 (1,607 ) State (160 ) 1,451 (229 ) Total Deferred 5,462 12,605 (1,836 ) Total Provision for Taxes $ 14,203 $ 26,111 $ 16,097
Total Provision for Income Taxes Reconciliation with Federal Statutory Rate	The total provision for income taxes differs from the federal statutory rate as follows: 2018 2017 2016 (in thousands) Amount Rate Amount Rate Amount Rate Tax Provision at Federal Statutory Rate $ 12,543 21.0 % $ 19,068 35.0 % $ 16,037 35.0 % Interest on Obligations of States and Political Subdivisions exempt from Federal Taxation (338 ) (0.6 %) (617 ) (1.1 %) (675 ) (1.5 %) State and Local Income Taxes, Net of Federal Income Tax Benefit 4,791 7.9 % 3,573 6.5 % 2,992 6.5 % Bank Owned Life Insurance (434 ) (0.7 %) (696 ) (1.3 %) (731 ) (1.6 %) Low-Income Housing Tax Credit (1,624 ) (2.7 %) (1,546 ) (2.8 %) (1,201 ) (2.6 %) Out of Period Adjustment (802 ) (1.3 %) - 0.0 % - 0.0 % Bargain Purchase Gain - 0.0 % - 0.0 % (641 ) (1.4 %) Deferred Tax Asset Remeasurement - 0.0 % 6,256 11.5 % - 0.0 % Other, Net 67 0.1 % 73 0.1 % 316 0.7 % Total Provision for Taxes $ 14,203 23.8 % $ 26,111 47.9 % $ 16,097 35.1 %
Components of Net Deferred Tax Assets	The components of net deferred tax assets as of December 31 are as follows: The net deferred tax assets are reported in Interest Receivable and Other Assets on the Company’s Consolidated Balance Sheet. (in thousands) 2018 2017 Deferred Tax Assets Allowance for Credit Losses $ 15,877 $ 14,962 Accrued Liabilities 7,444 7,421 Deferred Compensation 11,207 8,996 State Franchise Tax 1,307 850 Acquired Net Operating Loss 715 756 Fair Value Adjustment on Loans Acquired 300 242 Fair Value Adjustment on ORE Acquired 108 108 Unrealized Loss on Securities Available-for-Sale 1,800 373 Low-Income Housing Investment 412 470 Other 7 17 Total Deferred Tax Assets $ 39,177 $ 34,195 Deferred Tax Liabilities Premises and Equipment (2,226 ) (1,361 ) Securities Accretion (229 ) (164 ) Leasing Activities (17,215 ) (12,389 ) Core Deposit Intangible Asset (1,560 ) (247 ) Prepaid (116 ) (964 ) Other (1,000 ) (944 ) Total Deferred Tax Liabilities (22,346 ) (16,069 ) Net Deferred Tax Assets $ 16,831 $ 18,126

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2018
Shareholders' Equity [Abstract]
Compliance with Regulatory Capital Requirements under Banking Regulations	In addition, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since that notification that management believes have changed the Bank’s category. (in thousands) Actual Current Regulatory Capital Requirements Well Capitalized Under Prompt Corrective Action December 31, 2018 Amount Ratio Amount Ratio Amount Ratio Total Bank Capital to Risk Weighted Assets $ 346,763 11.39 % $ 243,455 8.0 % $ 304,319 10.0 % Total Consolidated Capital to Risk Weighted Assets $ 346,845 11.40 % $ 243,459 8.0 % N/A N/A Total Bank Common Equity Tier 1 Capital Ratio $ 308,507 10.14 % $ 136,944 4.5 % $ 197,807 6.5 % Total Consolidated Common Equity Tier 1 Capital Ratio $ 298,588 9.81 % $ 136,945 4.5 % N/A N/A Tier 1 Bank Capital to Risk Weighted Assets $ 308,507 10.14 % $ 182,591 6.0 % $ 243,455 8.0 % Tier 1 Consolidated Capital to Risk Weighted Assets $ 308,588 10.14 % $ 182,594 6.0 % N/A N/A Tier 1 Bank Capital to Average Assets $ 308,507 9.15 % $ 134,822 3.0 % $ 168,527 5.0 % Tier 1 Consolidated Capital to Average Assets $ 308,588 9.08 % $ 135,949 3.0 % N/A N/A (in thousands) Actual Current Regulatory Capital Requirements Well Capitalized Under Prompt Corrective Action December 31, 2017 Amount Ratio Amount Ratio Amount Ratio Total Bank Capital to Risk Weighted Assets $ 330,041 12.66 % $ 208,552 8.0 % $ 260,691 10.0 % Total Consolidated Capital to Risk Weighted Assets $ 342,210 13.07 % $ 209,532 8.0 % N/A N/A Total Bank Common Equity Tier 1 Capital Ratio $ 297,232 11.40 % $ 117,311 4.5 % $ 169,449 6.5 % Total Consolidated Common Equity Tier 1 Capital Ratio $ 299,401 11.43 % $ 117,862 4.5 % N/A N/A Tier 1 Bank Capital to Risk Weighted Assets $ 297,232 11.40 % $ 156,414 6.0 % $ 208,552 8.0 % Tier 1 Consolidated Capital to Risk Weighted Assets $ 309,250 11.81 % $ 157,150 6.0 % N/A N/A Tier 1 Bank Capital to Average Assets $ 297,232 9.65 % $ 123,178 4.0 % $ 153,972 5.0 % Tier 1 Consolidated Capital to Average Assets $ 309,250 9.99 % $ 123,790 4.0 % N/A N/A

Dividends and Basic Earnings _2

Dividends and Basic Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2018
Dividends and Basic Earnings Per Common Share [Abstract]
Calculation of Basic Earnings per Common Share	The following table calculates the basic earnings per common share for the periods indicated. ( net income in thousands 2018 2017 2016 Net Income $ 45,527 $ 28,370 $ 29,723 Weighted Average Number of Common Shares Outstanding 801,229 809,834 793,970 Basic Earnings Per Common Share $ 56.82 $ 35.03 $ 37.44

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Measurements [Abstract]
Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following tables present information about the Company’s assets and liabilities measured at fair value on a recurring basis and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value for the periods indicated. Fair Value Measurements At December 31, 2018, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Available-for-Sale Securities: Government Agency & Government-Sponsored Entities $ 3,039 $ - $ 3,039 $ - US Treasury Notes 164,514 164,514 - - US Govt SBA 15,447 - 15,447 - Mortgage Backed Securities 307,045 - 307,045 - Other 5,351 202 310 4,839 Total Assets Measured at Fair Value On a Recurring Basis $ 495,396 $ 164,716 $ 325,841 $ 4,839 Fair Value Measurements At December 31, 2017, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Available-for-Sale Securities: Government Agency & Government-Sponsored Entities $ 3,128 $ - $ 3,128 $ - US Treasury Notes 144,164 144,164 - - US Govt SBA 29,380 - 29,380 - Mortgage Backed Securities 301,914 - 301,914 - Other 3,010 200 310 2,500 Total Assets Measured at Fair Value On a Recurring Basis $ 481,596 $ 144,364 $ 334,732 $ 2,500
Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis	The following tables present information about the Company’s impaired loans & leases and other real estate, classes of assets or liabilities that the Company carries at fair value on a non-recurring basis, and indicates the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value for the periods indicated. Not all impaired loans & leases are carried at fair value. Impaired loans & leases are only included in the following tables when their fair value is based upon an appraisal of the collateral, and if that appraisal results in a partial charge-off or the establishment of a specific reserve. Fair Value Measurements At December 31, 2018, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Impaired Loans: Commercial Real Estate $ 2,658 $ - $ - $ 2,658 Residential 1st Mortgage 1,550 - - 1,550 Home Equity Lines and Loans 70 - - 70 Commercial 1,454 - - 1,454 Total Impaired Loans 5,732 - - 5,732 Other Real Estate: Real Estate Construction 873 - - 873 Total Other Real Estate 873 - - 873 Total Assets Measured at Fair Value On a Non-Recurring Basis $ 6,605 $ - $ - $ 6,605 Fair Value Measurements At December 31, 2017, Using Fair Value Quoted Prices in Active Markets for Identical Assets Other Observable Inputs Significant Unobservable Inputs (in thousands) Total (Level 1) (Level 2) (Level 3) Impaired Loans: Commercial Real Estate $ 2,595 $ - $ - $ 2,595 Residential 1st Mortgage 997 - - 997 Home Equity Lines and Loans 75 - - 75 Commercial 1,514 - - 1,514 Total Impaired Loans 5,181 - - 5,181 Other Real Estate: Real Estate Construction 873 - - 873 Total Other Real Estate 873 - - 873 Total Assets Measured at Fair Value On a Non-Recurring Basis $ 6,054 $ - $ - $ 6,054
Quantitative Information about Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value on a Non-Recurring Basis	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at December 31, 2018: (in thousands) Fair Value Valuation Technique Unobservable Inputs Range, Weighted Avg. Impaired Loans: Commercial Real Estate $ 2,658 Income Approach Capitalization Rate 3.25%, 3.25 % Residential 1st Mortgages $ 1,550 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 1% -4%, 3 % Home Equity Lines and Loans $ 70 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 1% - 2%, 2 % Commercial $ 1,454 Income Approach Capitalization Rate 2.95% - 8.70%, 3.40 % Other Real Estate: Real Estate Construction $ 873 Sales Comparison Approach Adjustment for Difference Between Comparable Sales 10%, 10 %

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value of Financial Instruments [Abstract]
Book Value and Estimated Fair Value of Financial Instruments	The following tables summarize the book value and estimated fair value of financial instruments for the periods indicated: Fair Value of Financial Instruments Using December 31, 2018 (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Estimated Fair Value Assets: Cash and Cash Equivalents $ 145,564 $ 145,564 $ - $ - $ 145,564 Investment Securities Available-for-Sale 495,396 164,716 325,841 4,839 495,396 Investment Securities Held-to-Maturity 53,566 - 35,083 18,655 53,738 FHLB Stock 12,636 N/A N/A N/A N/A Loans & Leases, Net of Deferred Fees & Allowance 2,515,975 - - 2,485,182 2,485,182 Accrued Interest Receivable 14,098 - 14,098 - 14,098 Liabilities: Deposits 3,062,832 2,572,805 485,766 - 3,058,571 Subordinated Debentures 10,310 - 7,745 - 7,745 Accrued Interest Payable 1,365 - 1,365 - 1,365 Fair Value of Financial Instruments Using December 31, 2017 (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Estimated Fair Value Assets: Cash and Cash Equivalents $ 187,149 $ 187,149 $ - $ - $ 187,149 Investment Securities Available-for-Sale 481,596 144,364 334,732 2,500 481,596 Investment Securities Held-to-Maturity 54,460 - 38,492 16,744 55,236 FHLB Stock 10,342 N/A N/A N/A N/A Loans & Leases, Net of Deferred Fees & Allowance 2,164,953 - - 2,137,987 2,137,987 Accrued Interest Receivable 10,999 - 10,999 - 10,999 Liabilities: Deposits 2,723,228 2,247,831 472,671 - 2,720,502 Subordinated Debentures 10,310 - 7,428 - 7,428 Accrued Interest Payable 1,137 - 1,137 - 1,137

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies [Abstract]
Off Balance Sheet Arrangements	The Company had the following off balance sheet commitments as of the dates indicated. (in thousands) December 31, 2018 December 31, 2017 Commitments to Extend Credit $ 828,539 $ 735,678 Letters of Credit 19,108 20,061 Performance Guarantees Under Interest Rate Swap Contracts Entered Into Between Our Borrowing Customers and Third Parties - 759

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Parent Company Financial Information [Abstract]
Condensed Balance Sheets	The following financial information is presented as of December 31 for the periods indicated. Farmers & Merchants Bancorp Condensed Balance Sheets (in thousands) 2018 2017 Cash $ 335 $ 332 Investment in Farmers & Merchants Bank of Central California 321,134 297,643 Investment Securities 409 409 Other Assets (57 ) 12,006 Total Assets $ 321,821 $ 310,390 Subordinated Debentures $ 10,310 $ 10,310 Liabilities 296 420 Shareholders’ Equity 311,215 299,660 Total Liabilities and Shareholders’ Equity $ 321,821 $ 310,390
Condensed Statements of Income	Farmers & Merchants Bancorp Condensed Statements of Income Year Ended December 31, (in thousands) 2018 2017 2016 Equity in Undistributed Earnings in Farmers & Merchants Bank of Central California $ (26,488 ) $ 5,575 $ 17,043 Dividends from Subsidiary 73,010 23,575 14,275 Interest Income 16 13 11 Other Expenses, Net (1,527 ) (1,552 ) (2,485 ) Tax Benefit 516 759 879 Net Income $ 45,527 $ 28,370 $ 29,723
Condensed Statements of Cash Flows	Farmers & Merchants Bancorp Condensed Statements of Cash Flows Year Ended December 31, (in thousands) 2018 2017 2016 Cash Flows from Operating Activities: Net Income $ 45,527 $ 28,370 $ 29,723 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Equity in Undistributed Net Earnings from Subsidiary 26,488 (5,575 ) (17,043 ) Net (Increase) Decrease in Other Assets (125 ) (11,822 ) (124 ) Net Increase (Decrease) in Liabilities (942 ) 112 49 Net Cash Provided by Operating Activities 70,948 11,085 12,605 Investing Activities: Securities Sold or Matured - 1 - Payments for Business Acquisition (28,642 ) - (2,207 ) Payments for Investments in Subsidiaries (10,503 ) (2,953 ) (2,586 ) Net Cash Used by Investing Activities (39,145 ) (2,952 ) (4,793 ) Financing Activities: Stock Repurchased (31,152 ) - - Issuance of Common Stock 10,503 2,953 2,586 Cash Dividends (11,151 ) (10,982 ) (10,478 ) Net Cash Used by Financing Activities (31,800 ) (8,029 ) (7,892 ) Increase (Decrease) in Cash and Cash Equivalents 3 104 (80 ) Cash and Cash Equivalents at Beginning of Year 332 228 308 Cash and Cash Equivalents at End of Year $ 335 $ 332 $ 228

Quarterly Unaudited Financial_2

Quarterly Unaudited Financial Data (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Unaudited Financial Data [Abstract]
Schedule of Quarterly Financial Information	The following tables set forth certain unaudited historical quarterly financial data for each of the eight consecutive quarters in 2018 and 2017. This information is derived from unaudited consolidated financial statements that include, in management’s opinion, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation when read in conjunction with the consolidated financial statements and notes thereto included elsewhere in this Form 10-K. 2018 (in thousands except per share data) First Quarter Second Quarter Third Quarter Fourth Quarter Total Total Interest Income $ 30,428 $ 32,161 $ 34,065 $ 36,799 $ 133,453 Total Interest Expense 1,522 1,660 2,157 2,611 7,950 Net Interest Income 28,906 30,501 31,908 34,188 125,503 Provision for Credit Losses 333 500 2,500 2,200 5,533 Net Interest Income After Provision for Credit Losses 28,573 30,001 29,408 31,988 119,970 Total Non-Interest Income 4,665 2,283 4,208 4,063 15,219 Total Non-Interest Expense 19,936 18,145 18,621 18,757 75,459 Income Before Income Taxes 13,302 14,139 14,995 17,294 59,730 Provision for Income Taxes 3,361 3,589 2,995 4,258 14,203 Net Income $ 9,941 $ 10,550 $ 12,000 $ 13,036 $ 45,527 Basic Earnings Per Common Share $ 12.24 $ 12.90 $ 15.12 $ 16.56 $ 56.82 2017 (in thousands except per share data) First Quarter Second Quarter Third Quarter Fourth Quarter Total Total Interest Income $ 27,242 $ 28,069 $ 29,609 $ 29,692 $ 114,612 Total Interest Expense 1,376 1,538 1,759 1,616 6,289 Net Interest Income 25,866 26,531 27,850 28,076 108,323 Provision for Credit Losses 600 650 1,600 - 2,850 Net Interest Income After Provision for Credit Losses 25,266 25,881 26,250 28,076 105,473 Total Non-Interest Income 5,406 3,539 3,638 4,179 16,762 Total Non-Interest Expense 18,422 16,525 16,307 16,500 67,754 Income Before Income Taxes 12,250 12,895 13,581 15,755 54,481 Provision for Income Taxes 4,429 4,708 5,000 11,974 26,111 Net Income $ 7,821 $ 8,187 $ 8,581 $ 3,781 $ 28,370 Basic Earnings Per Common Share $ 9.68 $ 10.12 $ 10.59 $ 4.64 $ 35.03

Significant Accounting Polici_4

Significant Accounting Policies (Details) $ in Thousands	Oct. 10, 2018USD ($)Branch	Oct. 09, 2018USD ($)	Nov. 18, 2016USD ($)Branch	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Acquisitions [Abstract]
Gain on remeasurement of previously held equity investment				$ 997	$ 0	$ 0
Assets				$ 3,434,243	$ 3,075,452
Bank of Rio Vista [Member]
Acquisitions [Abstract]
Percentage of equity interest in acquiree prior to acquisition of remaining interest		39.65%
Gain on remeasurement of previously held equity investment		$ 997
Assets	$ 217,500
Number of branches | Branch	3
Delta National Bancorp [Member]
Acquisitions [Abstract]
Assets			$ 112,000
Number of branches | Branch			4

Significant Accounting Polici_5

Significant Accounting Policies, Out of Period Adjustment (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2018USD ($)
Out of Period Adjustment [Member]
Out of Period Adjustment [Abstract]
Cumulative impact of out of period adjustment on provision for income taxes	$ (990)

Significant Accounting Polici_6

Significant Accounting Policies, Investment Securities (Details)	12 Months Ended
	Dec. 31, 2018Component
Investment Securities [Abstract]
Number of components into which amount of impairment is split	2

Significant Accounting Polici_7

Significant Accounting Policies, Loans & Leases and Allowance for Credit Losses (Details)	12 Months Ended
	Dec. 31, 2018ComponentCategoryFactor
Loans & Leases [Abstract]
Consecutive months of payments to demonstrate sustained period of performance	6 months
Allowance for Credit Losses [Abstract]
Number of primary components of overall allowance for loan losses | Component	3
Number of categories into which risk ratings are grouped | Category	5
Minimum [Member]
Loans & Leases [Abstract]
Period after which loans are placed on non accrual status	90 days
Agricultural Real Estate [Member]
Allowance for Credit Losses [Abstract]
Number of risk factors on loans	2
Agricultural [Member]
Allowance for Credit Losses [Abstract]
Number of risk factors on loans	2

Significant Accounting Polici_8

Significant Accounting Policies, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2018
Buildings [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	30 years
Buildings [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	40 years
Furniture and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	3 years
Furniture and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	7 years
Leasehold Improvements [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	5 years
Leasehold Improvements [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Estimated useful lives	10 years

Significant Accounting Polici_9

Significant Accounting Policies, Goodwill and Other Intangible Assets (Details) - Core Deposit Intangible [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Goodwill and Other Intangible Assets [Abstract]
Estimated useful life	10 years
Future estimated amortization expense for CDI [Abstract]
2019	$ 639
2020	626
2021	611
2022	593
2023	573
Thereafter	2,236
Total	$ 5,278

Business Combinations (Details)

Business Combinations (Details) - Bank of Rio Vista [Member]	Oct. 10, 2018	Mar. 31, 2018	Apr. 05, 2017
Acquisition [Abstract]
Percentage of outstanding voting shares acquired		39.65%	4.90%
Percentage of remaining voting shares acquired	60.35%

Business Combinations, Assets A

Business Combinations, Assets Acquired and Liabilities Assumed (Details) - Bank of Rio Vista [Member] - USD ($) $ in Thousands	Oct. 10, 2018	Dec. 31, 2018
Assets Acquired [Abstract]
Loans		$ 80,500
Goodwill	$ 11,183
Deposits [Abstract]
Cash Paid	28,642
Value of Previously Held Equity Interest	13,005
Total Merger Consideration	41,647
Book Value [Member]
Assets Acquired [Abstract]
Cash and Cash Equivalents	22,655
Investments	104,118
Loans	78,437
Core Deposit Intangible	0
Goodwill	0
Deferred Tax	2,813
Other Assets	9,470
Total Assets Acquired	217,493
Deposits [Abstract]
Demand	54,450
Interest-Bearing Transaction	48,469
Savings and Money Market	62,839
Time	25,813
Total Deposits	191,571
Other liabilities	1,238
Total liabilities assumed	192,809
Fair Value [Member]
Assets Acquired [Abstract]
Cash and Cash Equivalents	22,655
Investments	104,118
Loans	80,494
Core Deposit Intangible	4,670
Goodwill	11,183
Deferred Tax	298
Other Assets	11,038
Total Assets Acquired	234,456
Deposits [Abstract]
Demand	54,450
Interest-Bearing Transaction	48,469
Savings and Money Market	62,839
Time	25,813
Total Deposits	191,571
Other liabilities	1,238
Total liabilities assumed	$ 192,809

Business Combinations, Net Asse

Business Combinations, Net Assets Acquired and Estimated Fair Value Adjustments (Details) $ / shares in Units, $ in Thousands	Oct. 10, 2018USD ($)$ / sharesshares	Dec. 31, 2018USD ($)Premises	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Fair Value Adjustments [Abstract]
Amortization of core deposit intangible		$ 228	$ 110	$ 13
Core Deposit Intangible [Member]
Fair Value Adjustments [Abstract]
Estimated useful life		10 years
Future estimated amortization expense on CDI [Abstract]
2019		$ 639
2020		626
2021		611
2022		593
2023		573
Thereafter		2,236
Total		$ 5,278
Bank of Rio Vista [Member]
Fair Value Adjustments [Abstract]
Loans	$ 440
Reversal of Allowance for Loan Loss	1,616
Core Deposit Intangible Asset	4,670
Other Assets & Liabilities, net	1,568
Total Purchase Accounting Adjustments	8,294
Deferred Tax Asset (tax effect of purchase accounting adjustments at 29.56%)	(2,452)
DTA Adjustment	(62)
Merger Consideration	41,647
Goodwill	$ 11,183
Percentage of tax effect of purchase accounting adjustments	29.56%
Future estimated amortization expense on CDI [Abstract]
Number of remaining shares of equity interest acquired (in shares) | shares	2,414
Per share price of shares issued (in dollars per share) | $ / shares	$ 8,200
Bank of Rio Vista [Member] | Bank Premises [Member]
Future estimated amortization expense on CDI [Abstract]
Number of properties | Premises		2
Ownership interest in properties		100.00%
Bank of Rio Vista [Member] | Book Value [Member]
Net Assets Acquired and Estimated Fair Value Adjustments [Abstract]
Net Assets Acquired	$ 24,684
Fair Value Adjustments [Abstract]
Goodwill	0
Bank of Rio Vista [Member] | Fair Value [Member]
Net Assets Acquired and Estimated Fair Value Adjustments [Abstract]
Net Assets Acquired	30,464
Fair Value Adjustments [Abstract]
Goodwill	$ 11,183
Bank of Rio Vista [Member] | Core Deposit Intangible [Member]
Fair Value Adjustments [Abstract]
Estimated useful life		10 years
Amortization of core deposit intangible		$ 120
Future estimated amortization expense on CDI [Abstract]
2019		533
2020		524
2021		512
2022		499
2023		481
Thereafter		2,001
Total		$ 4,550

Business Combinations, Acquisit

Business Combinations, Acquisition-related Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Acquisition-related expenses [Abstract]
Total	$ 2,933	$ 0	$ 910
Bank of Rio Vista [Member]
Acquisition-related expenses [Abstract]
Data Processing	1,978
Professional Services	950
Other	5
Total	$ 2,933

Investment Securities, Securiti

Investment Securities, Securities Available-for-Sale (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost		$ 499,639	$ 482,757
Gross unrealized gains		1,208	1,016
Gross unrealized losses		5,451	2,177
Fair/Book value		495,396	481,596
Government Agency & Government-Sponsored Entities [Member]
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost		3,033	3,080
Gross unrealized gains		6	48
Gross unrealized losses		0	0
Fair/Book value		3,039	3,128
US Treasury Notes [Member]
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost		164,672	144,606
Gross unrealized gains		0	0
Gross unrealized losses		158	442
Fair/Book value		164,514	144,164
US Govt SBA [Member]
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost		15,601	29,559
Gross unrealized gains		6	29
Gross unrealized losses		160	208
Fair/Book value		15,447	29,380
Mortgage Backed Securities [Member]
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost	[1]	310,982	302,502
Gross unrealized gains	[1]	1,196	939
Gross unrealized losses	[1]	5,133	1,527
Fair/Book value	[1]	307,045	301,914
Other [Member]
Amortized cost, fair values, and unrealized gains and losses of securities available-for-sale [Abstract]
Amortized cost		5,351	3,010
Gross unrealized gains		0	0
Gross unrealized losses		0	0
Fair/Book value		$ 5,351	$ 3,010
[1]	All Mortgage Backed Securities were issued by an agency or government sponsored entity of the U.S. government.

Investment Securities, Securi_2

Investment Securities, Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Book values, estimated fair values and unrealized gains and losses of investments classified as held-to-maturity [Abstract]
Book value	$ 53,566	$ 54,460
Gross unrealized gains	211	776
Gross unrealized losses	39	0
Fair value	53,738	55,236
Obligations of States and Political Subdivisions [Member]
Book values, estimated fair values and unrealized gains and losses of investments classified as held-to-maturity [Abstract]
Book value	53,566	54,460
Gross unrealized gains	211	776
Gross unrealized losses	39	0
Fair value	$ 53,738	$ 55,236

Investment Securities, Contract

Investment Securities, Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Amortized Cost [Abstract]
Within one year	$ 156,840
After one year through five years	17,097
After five years through ten years	1,474
After ten years	13,247
Amortized cost, excluding securities without single maturity date	188,658
Investment securities not due at a single maturity date, mortgage-backed securities	310,981
Amortized cost	499,639	$ 482,757
Fair/Book Value [Abstract]
Within one year	156,751
After one year through five years	17,032
After five years through ten years	1,472
After ten years	13,096
Fair/Book value, excluding securities without single maturity date	188,351
Investment securities not due at a single maturity date, mortgage-backed securities	307,045
Fair/Book value	495,396	481,596
Book Value [Abstract]
Within one year	2,340
After one year through five years	2,161
After five years through ten years	21,167
After ten years	27,898
Book value, excluding securities without single maturity date	53,566
Investment securities not due at a single maturity date, mortgage-backed securities	0
Book value	53,566	54,460
Fair Value [Abstract]
Within one year	2,342
After one year through five years	2,162
After five years through ten years	21,292
After ten years	27,942
Fair/Book value, excluding securities without single maturity date	53,738
Investment securities not due at a single maturity date, mortgage-backed securities	0
Fair value	$ 53,738	$ 55,236

Investment Securities, Securi_3

Investment Securities, Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)Security	Dec. 31, 2017USD ($)
Available-for-sale Securities in Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	$ 180,524	$ 229,523
Less than 12 months unrealized loss	563	1,127
12 months or more fair value	255,418	105,991
12 months or more unrealized loss	4,888	1,050
Total fair value	435,942	335,514
Total unrealized loss	$ 5,451	2,177
Number of investment securities held | Security	636
Less than 12 months, number of positions | Security	83
12 months or more, number of positions | Security	120
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	$ 6,052
Less than 12 months unrealized loss	23
12 months or more fair value	849
12 months or more unrealized loss	16
Total fair value	6,901
Total unrealized loss	39	0
Obligations of States and Political Subdivisions [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	6,052
Less than 12 months unrealized loss	23
12 months or more fair value	849
12 months or more unrealized loss	16
Total fair value	6,901
Total unrealized loss	$ 39
Less than 12 months, number of positions | Security	16
12 months or more, number of positions | Security	2
Municipal Bonds [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
Percentage of portfolio rated at either issue or issuer level	99.00%
Percentage of portfolio not rated	1.00%
Government Agency & Government-Sponsored Entities [Member]
Available-for-sale Securities in Continuous Unrealized Loss Position [Abstract]
Less than 12 months, number of positions | Security	0
12 months or more, number of positions | Security	0
US Treasury Notes [Member]
Available-for-sale Securities in Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	$ 124,985	94,281
Less than 12 months unrealized loss	7	144
12 months or more fair value	39,529	49,883
12 months or more unrealized loss	151	298
Total fair value	164,514	144,164
Total unrealized loss	$ 158	442
Less than 12 months, number of positions | Security	13
12 months or more, number of positions | Security	4
US Govt SBA [Member]
Available-for-sale Securities in Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	$ 3,250	8,379
Less than 12 months unrealized loss	28	51
12 months or more fair value	8,618	12,900
12 months or more unrealized loss	132	157
Total fair value	11,868	21,279
Total unrealized loss	$ 160	208
Less than 12 months, number of positions | Security	17
12 months or more, number of positions | Security	53
Mortgage Backed Securities [Member]
Available-for-sale Securities in Continuous Unrealized Loss Position [Abstract]
Less than 12 months fair value	$ 52,289	126,863
Less than 12 months unrealized loss	528	932
12 months or more fair value	207,271	43,208
12 months or more unrealized loss	4,605	595
Total fair value	259,560	170,071
Total unrealized loss	$ 5,133	$ 1,527
Less than 12 months, number of positions | Security	37
12 months or more, number of positions | Security	61

Investment Securities, Proceeds

Investment Securities, Proceeds From Sales (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Proceeds from sales and calls of securities [Abstract]
Gross proceeds	$ 99,323	$ 7,831	$ 105,941
Gross gains	78	143	250
Gross losses	$ 1,338	$ 12	$ 534

Investment Securities, Pledged

Investment Securities, Pledged Securities (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Investment Securities [Abstract]
Securities pledged to secure public deposits, FHLB borrowings, and other government agency deposits as required by law	$ 268.8	$ 214.5

Federal Home Loan Bank Stock _2

Federal Home Loan Bank Stock and Other Equity Securities, at Cost (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Federal Home Loan Bank Stock and Other Equity Securities, at Cost [Abstract]
FHLB stock and other equity securities	$ 12.6	$ 22.6
Bank of Rio Vista [Member]
FHLB stock and other equity securities [Abstract]
Equity method investments		$ 12
Ownership percentage		39.65%

Loans & Leases (Details)

Loans & Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	$ 2,578,120	$ 2,221,250
Less: Unearned Income	6,879	5,955
Total Loans & Leases	2,571,241	2,215,295
Less: Allowance for Credit Losses	55,266	50,342	$ 47,919
Loans & Leases, Net	2,515,975	2,164,953
Increase in loans and leases	356,900
Collateral on borrowing lines	753,600
Federal Home Loan Bank [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Collateral on borrowing lines	753,600
Maximum borrowing capacity	617,800
Federal Reserve Bank [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Collateral on borrowing lines	717,800
Maximum borrowing capacity	453,000
Bank of Rio Vista [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Increase in loans from acquisition	80,500
Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	834,476	691,639
Total Loans & Leases	826,549	684,961
Less: Allowance for Credit Losses	11,609	10,922	11,110
Agricultural Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	584,625	499,231
Total Loans & Leases	584,625	499,231
Less: Allowance for Credit Losses	14,092	12,085	9,450
Real Estate Construction [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	98,568	100,206
Total Loans & Leases	98,568	100,206
Less: Allowance for Credit Losses	1,249	1,846	3,223
Residential 1st Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	259,736	260,751
Total Loans & Leases	259,736	260,751
Less: Allowance for Credit Losses	880	815	865
Home Equity Lines and Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	40,789	34,525
Total Loans & Leases	40,789	34,525
Less: Allowance for Credit Losses	2,761	2,324	2,140
Agricultural [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	290,463	273,582
Total Loans & Leases	290,463	273,582
Less: Allowance for Credit Losses	8,242	8,159	7,381
Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	343,834	265,703
Total Loans & Leases	343,834	265,703
Less: Allowance for Credit Losses	11,656	9,197	8,515
Consumer & Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	19,412	6,656
Total Loans & Leases	19,412	6,656
Less: Allowance for Credit Losses	494	209	200
Leases [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total Gross Loans & Leases	106,217	88,957
Total Loans & Leases	107,265	89,680
Less: Allowance for Credit Losses	$ 4,022	$ 3,363	$ 3,586

Allowance for Credit Losses, Al

Allowance for Credit Losses, Allocation of The Allowance For Loan Losses by Portfolio Segment and By Impairment Methodology (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Allowance for Credit Losses [Roll Forward]
Beginning Balance				$ 50,342				$ 47,919	$ 50,342	$ 47,919
Charge-Offs									(767)	(685)
Recoveries									158	258
Provision	$ 2,200	$ 2,500	$ 500	333	$ 0	$ 1,600	$ 650	600	5,533	2,850	$ 6,335
Ending Balance	55,266				50,342				55,266	50,342	47,919
Ending Balance Individually Evaluated for Impairment	565				684				565	684
Ending Balance Collectively Evaluated for Impairment	54,701				49,658				54,701	49,658
Loans & Leases [Abstract]
Ending Balance	2,571,241				2,215,295				2,571,241	2,215,295
Ending Balance Individually Evaluated for Impairment	16,347				9,279				16,347	9,279
Ending Balance Collectively Evaluated for Impairment	2,554,894				2,206,016				2,554,894	2,206,016
Commercial Real Estate [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				10,922				11,110	10,922	11,110
Charge-Offs									0	(109)
Recoveries									2	109
Provision									685	(188)
Ending Balance	11,609				10,922				11,609	10,922	11,110
Ending Balance Individually Evaluated for Impairment	234				366				234	366
Ending Balance Collectively Evaluated for Impairment	11,375				10,556				11,375	10,556
Loans & Leases [Abstract]
Ending Balance	826,549				684,961				826,549	684,961
Ending Balance Individually Evaluated for Impairment	4,676				4,822				4,676	4,822
Ending Balance Collectively Evaluated for Impairment	821,873				680,139				821,873	680,139
Agricultural Real Estate [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				12,085				9,450	12,085	9,450
Charge-Offs									0	0
Recoveries									0	0
Provision									2,007	2,635
Ending Balance	14,092				12,085				14,092	12,085	9,450
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	14,092				12,085				14,092	12,085
Loans & Leases [Abstract]
Ending Balance	584,625				499,231				584,625	499,231
Ending Balance Individually Evaluated for Impairment	7,238				0				7,238	0
Ending Balance Collectively Evaluated for Impairment	577,387				499,231				577,387	499,231
Real Estate Construction [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				1,846				3,223	1,846	3,223
Charge-Offs									0	0
Recoveries									0	0
Provision									(597)	(1,377)
Ending Balance	1,249				1,846				1,249	1,846	3,223
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	1,249				1,846				1,249	1,846
Loans & Leases [Abstract]
Ending Balance	98,568				100,206				98,568	100,206
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	98,568				100,206				98,568	100,206
Residential 1st Mortgages [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				815				865	815	865
Charge-Offs									(31)	(53)
Recoveries									15	40
Provision									81	(37)
Ending Balance	880				815				880	815	865
Ending Balance Individually Evaluated for Impairment	125				73				125	73
Ending Balance Collectively Evaluated for Impairment	755				742				755	742
Loans & Leases [Abstract]
Ending Balance	259,736				260,751				259,736	260,751
Ending Balance Individually Evaluated for Impairment	2,491				2,373				2,491	2,373
Ending Balance Collectively Evaluated for Impairment	257,245				258,378				257,245	258,378
Home Equity Lines and Loans [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				2,324				2,140	2,324	2,140
Charge-Offs									(8)	(3)
Recoveries									6	8
Provision									439	179
Ending Balance	2,761				2,324				2,761	2,324	2,140
Ending Balance Individually Evaluated for Impairment	15				17				15	17
Ending Balance Collectively Evaluated for Impairment	2,746				2,307				2,746	2,307
Loans & Leases [Abstract]
Ending Balance	40,789				34,525				40,789	34,525
Ending Balance Individually Evaluated for Impairment	297				340				297	340
Ending Balance Collectively Evaluated for Impairment	40,492				34,185				40,492	34,185
Agricultural [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				8,159				7,381	8,159	7,381
Charge-Offs									0	(374)
Recoveries									61	17
Provision									22	1,135
Ending Balance	8,242				8,159				8,242	8,159	7,381
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	8,242				8,159				8,242	8,159
Loans & Leases [Abstract]
Ending Balance	290,463				273,582				290,463	273,582
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	290,463				273,582				290,463	273,582
Commercial [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				9,197				8,515	9,197	8,515
Charge-Offs									(613)	0
Recoveries									20	8
Provision									3,052	674
Ending Balance	11,656				9,197				11,656	9,197	8,515
Ending Balance Individually Evaluated for Impairment	185				220				185	220
Ending Balance Collectively Evaluated for Impairment	11,471				8,977				11,471	8,977
Loans & Leases [Abstract]
Ending Balance	343,834				265,703				343,834	265,703
Ending Balance Individually Evaluated for Impairment	1,639				1,734				1,639	1,734
Ending Balance Collectively Evaluated for Impairment	342,195				263,969				342,195	263,969
Consumer & Other [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				209				200	209	200
Charge-Offs									(115)	(146)
Recoveries									54	76
Provision									346	79
Ending Balance	494				209				494	209	200
Ending Balance Individually Evaluated for Impairment	6				8				6	8
Ending Balance Collectively Evaluated for Impairment	488				201				488	201
Loans & Leases [Abstract]
Ending Balance	19,412				6,656				19,412	6,656
Ending Balance Individually Evaluated for Impairment	6				10				6	10
Ending Balance Collectively Evaluated for Impairment	19,406				6,646				19,406	6,646
Leases [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				3,363				3,586	3,363	3,586
Charge-Offs									0	0
Recoveries									0	0
Provision									659	(223)
Ending Balance	4,022				3,363				4,022	3,363	3,586
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	4,022				3,363				4,022	3,363
Loans & Leases [Abstract]
Ending Balance	107,265				89,680				107,265	89,680
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	107,265				89,680				107,265	89,680
Unallocated [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance				$ 1,422				$ 1,449	1,422	1,449
Charge-Offs									0	0
Recoveries									0	0
Provision									(1,161)	(27)
Ending Balance	261				1,422				261	1,422	$ 1,449
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	261				1,422				261	1,422
Loans & Leases [Abstract]
Ending Balance	0				0				0	0
Ending Balance Individually Evaluated for Impairment	0				0				0	0
Ending Balance Collectively Evaluated for Impairment	0				0				0	0
Restructured Loans [Member]
Loans & Leases [Abstract]
Ending Balance Individually Evaluated for Impairment	$ 2,800				$ 3,000				$ 2,800	$ 3,000

Allowance for Credit Losses, Lo

Allowance for Credit Losses, Loan Portfolio Allocated by Management's Internal Credit Ratings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	$ 2,571,241	$ 2,215,295
Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	2,543,255	2,170,292
Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	12,865	36,123
Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	15,121	8,880
Doubtful [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	0
Loss [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	0
Commercial Real Estate [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	826,549	684,961
Commercial Real Estate [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	823,983	677,636
Commercial Real Estate [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	2,566	6,843
Commercial Real Estate [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	482
Agricultural Real Estate [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	584,625	499,231
Agricultural Real Estate [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	566,612	488,672
Agricultural Real Estate [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	4,703	6,529
Agricultural Real Estate [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	13,310	4,030
Real Estate Construction [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	98,568	100,206
Real Estate Construction [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	98,568	90,728
Real Estate Construction [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	9,478
Real Estate Construction [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	0
Residential 1st Mortgages [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	259,736	260,751
Residential 1st Mortgages [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	259,208	259,795
Residential 1st Mortgages [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	41
Residential 1st Mortgages [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	528	915
Home Equity Lines and Loans [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	40,789	34,525
Home Equity Lines and Loans [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	40,744	34,476
Home Equity Lines and Loans [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	0
Home Equity Lines and Loans [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	45	49
Agricultural [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	290,463	273,582
Agricultural [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	284,561	264,425
Agricultural [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	5,433	6,439
Agricultural [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	469	2,718
Commercial [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	343,834	265,703
Commercial [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	343,085	260,565
Commercial [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	163	4,610
Commercial [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	586	528
Consumer & Other [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	19,412	6,656
Consumer & Other [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	19,229	6,498
Consumer & Other [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	0
Consumer & Other [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	183	158
Leases [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	107,265	89,680
Leases [Member] | Pass [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	107,265	87,497
Leases [Member] | Special Mention [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	0	2,183
Leases [Member] | Substandard [Member]
Loan & Lease Portfolio Allocated by Management's Internal Risk Ratings [Abstract]
Loans & leases	$ 0	$ 0

Allowance for Credit Losses, Ag

Allowance for Credit Losses, Aging Analysis of Loan Portfolio by the Time Past Due (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	$ 0	$ 0
Nonaccrual	0	0
Total Past Due	1,438	645
Current	2,569,803	2,214,650
Total Loans & Leases	2,571,241	2,215,295
Interest income forgone on nonaccrual loans	0	0	$ 127
30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	707	645
60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	731	0
Commercial Real Estate [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	731	0
Current	825,818	684,961
Total Loans & Leases	826,549	684,961
Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	731	0
Agricultural Real Estate [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	0	0
Current	584,625	499,231
Total Loans & Leases	584,625	499,231
Agricultural Real Estate [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Agricultural Real Estate [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Real Estate Construction [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	327	0
Current	98,241	100,206
Total Loans & Leases	98,568	100,206
Real Estate Construction [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	327	0
Real Estate Construction [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Residential 1st Mortgages [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	367	448
Current	259,369	260,303
Total Loans & Leases	259,736	260,751
Residential 1st Mortgages [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	367	448
Residential 1st Mortgages [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Home Equity Lines and Loans [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	0	10
Current	40,789	34,515
Total Loans & Leases	40,789	34,525
Home Equity Lines and Loans [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	10
Home Equity Lines and Loans [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Agricultural [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	0	0
Current	290,463	273,582
Total Loans & Leases	290,463	273,582
Agricultural [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Agricultural [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Commercial [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	0	180
Current	343,834	265,523
Total Loans & Leases	343,834	265,703
Commercial [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	180
Commercial [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Consumer & Other [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	13	7
Current	19,399	6,649
Total Loans & Leases	19,412	6,656
Consumer & Other [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	13	7
Consumer & Other [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Leases [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
90 Days and Still Accruing	0	0
Nonaccrual	0	0
Total Past Due	0	0
Current	107,265	89,680
Total Loans & Leases	107,265	89,680
Leases [Member] | 30-59 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	0	0
Leases [Member] | 60-89 Days Past Due [Member]
Aging Analysis of Loan & Lease Portfolio by Time Past Due [Abstract]
Total Past Due	$ 0	$ 0

Allowance for Credit Losses, Im

Allowance for Credit Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
With no related allowance recorded [Abstract]
Recorded Investment	$ 7,334	$ 1,015
Unpaid Principal Balance	7,334	1,116
Average Recorded Investment	3,945	1,173
Interest Income Recognized	135	22
With an allowance recorded [Abstract]
Recorded Investment	6,266	5,303
Unpaid Principal Balance	6,460	5,364
Related Allowance	511	623
Average Recorded Investment	6,217	5,655
Interest Income Recognized	206	203
Total [Abstract]
Recorded Investment	13,600	6,318
Unpaid Principal Balance	13,794	6,480
Related Allowance	511	623
Average Recorded Investment	10,162	6,828
Interest Income Recognized	341	225
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	95	104
Unpaid Principal Balance	96	104
Average Recorded Investment	99	107
Interest Income Recognized	8	11
With an allowance recorded [Abstract]
Recorded Investment	2,902	2,973
Unpaid Principal Balance	2,892	2,961
Related Allowance	234	366
Average Recorded Investment	2,929	2,999
Interest Income Recognized	96	104
Total [Abstract]
Related Allowance	234	366
Agricultural Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	7,239	0
Unpaid Principal Balance	7,238	0
Average Recorded Investment	3,620	488
Interest Income Recognized	119	0
Residential 1st Mortgages [Member]
With no related allowance recorded [Abstract]
Recorded Investment	0	911
Unpaid Principal Balance	0	1,012
Average Recorded Investment	226	532
Interest Income Recognized	8	11
With an allowance recorded [Abstract]
Recorded Investment	1,640	508
Unpaid Principal Balance	1,838	571
Related Allowance	82	25
Average Recorded Investment	1,371	469
Interest Income Recognized	48	16
Total [Abstract]
Related Allowance	82	25
Home Equity Lines and Loans [Member]
With no related allowance recorded [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Average Recorded Investment		16
Interest Income Recognized		0
With an allowance recorded [Abstract]
Recorded Investment	74	73
Unpaid Principal Balance	84	89
Related Allowance	4	4
Average Recorded Investment	76	74
Interest Income Recognized	4	3
Total [Abstract]
Related Allowance	4	4
Agricultural [Member]
With no related allowance recorded [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Average Recorded Investment		30
Interest Income Recognized		0
With an allowance recorded [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment		409
Interest Income Recognized		21
Total [Abstract]
Related Allowance		0
Commercial [Member]
With an allowance recorded [Abstract]
Recorded Investment	1,644	1,741
Unpaid Principal Balance	1,639	1,734
Related Allowance	185	220
Average Recorded Investment	1,834	1,693
Interest Income Recognized	58	59
Total [Abstract]
Related Allowance	185	220
Consumer & Other [Member]
With an allowance recorded [Abstract]
Recorded Investment	6	8
Unpaid Principal Balance	7	9
Related Allowance	6	8
Average Recorded Investment	7	11
Interest Income Recognized	0	0
Total [Abstract]
Related Allowance	$ 6	$ 8

Allowance for Credit Losses, _2

Allowance for Credit Losses, Loans by Class Modified as Troubled Debt Restructured Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)Loan	Dec. 31, 2017USD ($)Loan
Troubled Debt Restructured Loans [Abstract]
Specific reserves	$ 511	$ 623
Commitments to lend additional amounts to customers with outstanding loans that are classified as troubled debt restructurings	$ 0	$ 0
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan	3	6
Pre-Modification Outstanding Recorded Investment	$ 7,525	$ 852
Post-Modification Recorded Outstanding Investment	7,494	808
Increase in allowance for loan losses due to TDR		0
TDR's charge-offs	$ 31	$ 44
Number of loans modified as troubled debt restructurings with subsequent payment defaults | Loan	0	0
Threshold period after which loan is considered to be in payment default	90 days
Stated Interest Rate Reduction [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications	5 years
Stated Interest Rate Reduction [Member] | Minimum [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications		3 years
Stated Interest Rate Reduction [Member] | Maximum [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications		5 years
Extended Maturity [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications	10 years
Extended Maturity [Member] | Minimum [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications		3 years
Extended Maturity [Member] | Maximum [Member]
Troubled Debt Restructured Loans [Abstract]
Period of modifications		10 years
Performing [Member]
Troubled Debt Restructured Loans [Abstract]
Troubled debt restructured loans	$ 13,600	$ 6,300
Agricultural Real Estate [Member]
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan	1
Pre-Modification Outstanding Recorded Investment	$ 7,239
Post-Modification Recorded Outstanding Investment	$ 7,239
Residential 1st Mortgages [Member]
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan	2	2
Pre-Modification Outstanding Recorded Investment	$ 286	$ 673
Post-Modification Recorded Outstanding Investment	$ 255	$ 630
Home Equity Lines and Loans [Member]
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan		1
Pre-Modification Outstanding Recorded Investment		$ 32
Post-Modification Recorded Outstanding Investment		$ 32
Commercial [Member]
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan		2
Pre-Modification Outstanding Recorded Investment		$ 138
Post-Modification Recorded Outstanding Investment		$ 138
Consumer & Other [Member]
Loans by class modified as troubled debt restructured loans [Abstract]
Number of Loans | Loan		1
Pre-Modification Outstanding Recorded Investment		$ 9
Post-Modification Recorded Outstanding Investment		$ 8

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment, Net [Abstract]
Subtotal	$ 64,071	$ 59,534
Less: Accumulated Depreciation and Amortization	31,448	30,855
Total	32,623	28,679
Depreciation and amortization	2,421	2,186	$ 1,896
Total rental expense	834	688	644
Rental income	173	169	$ 102
Land and Buildings [Member]
Property, Plant and Equipment, Net [Abstract]
Subtotal	39,329	36,018
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment, Net [Abstract]
Subtotal	21,136	20,399
Leasehold Improvements [Member]
Property, Plant and Equipment, Net [Abstract]
Subtotal	$ 3,606	$ 3,117

Other Real Estate (Details)

Other Real Estate (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Other Real Estate [Abstract]
Other real estate, net	$ 873	$ 873

Time Deposits (Details)

Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Time Deposits $250,000 or more [Abstract]
Balance	$ 219,022	$ 212,574
Maturities of Time Deposits [Abstract]
2019	400,868
2020	74,908
2021	7,779
2022	4,768
2023	1,704
Total	$ 490,027	$ 475,397

Income Taxes, Current and Defer

Income Taxes, Current and Deferred Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Current [Abstract]
Federal									$ 2,517	$ 9,460	$ 13,101
State									6,224	4,046	4,832
Total Current									8,741	13,506	17,933
Deferred [Abstract]
Federal									5,622	11,154	(1,607)
State									(160)	1,451	(229)
Total Deferred									5,462	12,605	(1,836)
Total Provision for Taxes	$ 4,258	$ 2,995	$ 3,589	$ 3,361	$ 11,974	$ 5,000	$ 4,708	$ 4,429	$ 14,203	$ 26,111	$ 16,097

Income Taxes, Effective Income

Income Taxes, Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Tax Provision at Federal Statutory Rate									$ 12,543	$ 19,068	$ 16,037
Interest on Obligations of States and Political Subdivisions exempt from Federal Taxation									(338)	(617)	(675)
State and Local Income Taxes, Net of Federal Income Tax Benefit									4,791	3,573	2,992
Bank Owned Life Insurance									(434)	(696)	(731)
Low-Income Housing Tax Credit									(1,624)	(1,546)	(1,201)
Out of Period Adjustment									(802)	0	0
Bargain Purchase Gain									0	0	(641)
Deferred Tax Asset Remeasurement									0	6,256	0
Other, Net									67	73	316
Total Provision for Taxes	$ 4,258	$ 2,995	$ 3,589	$ 3,361	$ 11,974	$ 5,000	$ 4,708	$ 4,429	$ 14,203	$ 26,111	$ 16,097
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Tax Provision at Federal Statutory Rate									21.00%	35.00%	35.00%
Interest on Obligations of States and Political Subdivisions exempt from Federal Taxation									(0.60%)	(1.10%)	(1.50%)
State and Local Income Taxes, Net of Federal Income Tax Benefit									7.90%	6.50%	6.50%
Bank Owned Life Insurance									(0.70%)	(1.30%)	(1.60%)
Low-Income Housing Tax Credit									(2.70%)	(2.80%)	(2.60%)
Out of Period Adjustment									(1.30%)	(0.00%)	(0.00%)
Bargain Purchase Gain									(0.00%)	(0.00%)	(1.40%)
Deferred Tax Asset Remeasurement									0.00%	11.50%	0.00%
Other, Net									0.10%	0.10%	0.70%
Total Provision for Taxes									23.80%	47.90%	35.10%

Income Taxes, Components of Net

Income Taxes, Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Deferred Tax Assets [Abstract]
Allowance for Credit Losses	$ 15,877	$ 14,962
Accrued Liabilities	7,444	7,421
Deferred Compensation	11,207	8,996
State Franchise Tax	1,307	850
Acquired Net Operating Loss	715	756
Fair Value Adjustment on Loans Acquired	300	242
Fair Value Adjustment on ORE Acquired	108	108
Unrealized Loss on Securities Available-for-Sale	1,800	373
Low-Income Housing Investment	412	470
Other	7	17
Total Deferred Tax Assets	39,177	34,195
Deferred Tax Liabilities [Abstract]
Premises and Equipment	(2,226)	(1,361)
Securities Accretion	(229)	(164)
Leasing Activities	(17,215)	(12,389)
Core Deposit Intangible Asset	(1,560)	(247)
Prepaid	(116)	(964)
Other	(1,000)	(944)
Total Deferred Tax Liabilities	(22,346)	(16,069)
Net Deferred Tax Assets	$ 16,831	$ 18,126
Tax Provision at Federal Statutory Rate	21.00%	35.00%	35.00%
Increase in income tax provision resulting from onetime re-measurement of deferred tax assets and deferred tax liabilities		$ 6,300

Short Term Borrowings (Details)

Short Term Borrowings (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Short Term Borrowings [Abstract]
Unused lines of credit	$ 1,200	$ 1,000
Advances from FHLB	0	0
Federal Funds purchased or advances from FRB	$ 0	$ 0

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Federal Home Loan Bank Advances [Abstract]
Federal Home Loan Bank Advances, short term	$ 0	$ 0
Federal Home Loan Bank Advances, long term	0	$ 0
Collateral on borrowing lines	753.6
Borrowing capacity	$ 617.8

Long-term Subordinated Debent_2

Long-term Subordinated Debentures (Details) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2018USD ($)$ / shares
Subordinated Debentures [Abstract]
Guaranteed preferred beneficial interests	$ 10
Liquidation value (per capital security) | $ / shares	$ 1,000
Junior Subordinated Debentures [Member]
Subordinated Debentures [Abstract]
Junior subordinated debentures	$ 10.3
Debt instrument, maturity date	Dec. 17, 2033
Junior Subordinated Debentures [Member] | LIBOR [Member]
Subordinated Debentures [Abstract]
Term of variable rate	3 months
Basis spread on variable rate	2.85%

Shareholders' Equity, Stock Rep

Shareholders' Equity, Stock Repurchase Program, Dividends and Issuance of Common Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2018	Dec. 31, 2018	Dec. 31, 2017
Stock Repurchased [Abstract]
Approved funds available for common stock repurchase program		$ 20,000
Number of shares of stock purchased (in shares)		0	0
Total consideration for shares to be purchased	$ 31,200	$ 31,152
Per share price of shares issued (in dollars per share)	$ 700
Issuance of common stock for contribution to non-qualified defined contribution retirement plans (in shares)		13,520	4,975
Shares issued to individuals (in shares)		2,400
Minimum [Member]
Stock Repurchased [Abstract]
Per share price of shares issued (in dollars per share)		$ 635	$ 590
Maximum [Member]
Stock Repurchased [Abstract]
Per share price of shares issued (in dollars per share)		$ 690	$ 595

Shareholders' Equity, Complianc

Shareholders' Equity, Compliance with Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Total Capital to Risk Weighted Assets [Abstract]
Actual Amount	$ 346,845	$ 342,210
Current Regulatory Capital Requirement, Amount	$ 243,459	$ 209,532
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Actual Ratio	11.40%	13.07%
Current Regulatory Capital Requirement, Ratio	8.00%	8.00%
Total Common Equity Tier 1 Capital [Abstract]
Actual Amount	$ 298,588	$ 299,401
Current Regulatory Capital Requirement, Amount	$ 136,945	$ 117,862
Total Common Equity Tier 1 Capital, Ratio [Abstract]
Actual Ratio	9.81%	11.43%
Current Regulatory Capital Requirement, Ratio	4.50%	4.50%
Tier 1 Capital to Risk Weighted Assets [Abstract]
Actual Amount	$ 308,588	$ 309,250
Current Regulatory Capital Requirement, Amount	$ 182,594	$ 157,150
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Actual Ratio	10.14%	11.81%
Current Regulatory Capital Requirement Ratio	6.00%	6.00%
Tier 1 Capital to Average Assets [Abstract]
Actual Amount	$ 308,588	$ 309,250
Current Regulatory Capital Requirement, Amount	$ 135,949	$ 123,790
Tier 1 Capital to Average Assets, Ratio [Abstract]
Actual Ratio	9.08%	9.99%
Current Regulatory Capital Requirement, Ratio	3.00%	4.00%
Bank [Member]
Total Capital to Risk Weighted Assets [Abstract]
Actual Amount	$ 346,763	$ 330,041
Current Regulatory Capital Requirement, Amount	243,455	208,552
Well Capitalized Under Prompt Corrective Action, Amount	$ 304,319	$ 260,691
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Actual Ratio	11.39%	12.66%
Current Regulatory Capital Requirement, Ratio	8.00%	8.00%
Well Capitalized Under Prompt Corrective Action, Ratio	10.00%	10.00%
Total Common Equity Tier 1 Capital [Abstract]
Actual Amount	$ 308,507	$ 297,232
Current Regulatory Capital Requirement, Amount	136,944	117,311
Well Capitalized Under Prompt Corrective Action, Amount	$ 197,807	$ 169,449
Total Common Equity Tier 1 Capital, Ratio [Abstract]
Actual Ratio	10.14%	11.40%
Current Regulatory Capital Requirement, Ratio	4.50%	4.50%
Well Capitalized Under Prompt Corrective Action, Ratio	6.50%	6.50%
Tier 1 Capital to Risk Weighted Assets [Abstract]
Actual Amount	$ 308,507	$ 297,232
Current Regulatory Capital Requirement, Amount	182,591	156,414
Well Capitalized Under Prompt Corrective Action, Amount	$ 243,455	$ 208,552
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Actual Ratio	10.14%	11.40%
Current Regulatory Capital Requirement Ratio	6.00%	6.00%
Well Capitalized Under Prompt Corrective Action, Ratio	8.00%	8.00%
Tier 1 Capital to Average Assets [Abstract]
Actual Amount	$ 308,507	$ 297,232
Current Regulatory Capital Requirement, Amount	134,822	123,178
Well Capitalized Under Prompt Corrective Action, Amount	$ 168,527	$ 153,972
Tier 1 Capital to Average Assets, Ratio [Abstract]
Actual Ratio	9.15%	9.65%
Current Regulatory Capital Requirement, Ratio	3.00%	4.00%
Well Capitalized Under Prompt Corrective Action, Ratio	5.00%	5.00%

Dividends and Basic Earnings _3

Dividends and Basic Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Dividends and Basic Earnings Per Common Share [Abstract]
Cash Dividends Declared on Common Stock									$ 11,151	$ 10,982	$ 10,478
Cash dividends paid per share of common stock (in dollars per share)									$ 13.90	$ 13.55	$ 13.10
Percentage increase in cash dividend per share									2.60%
Earnings per share for the period [Abstract]
Net Income	$ 13,036	$ 12,000	$ 10,550	$ 9,941	$ 3,781	$ 8,581	$ 8,187	$ 7,821	$ 45,527	$ 28,370	$ 29,723
Weighted Average Number of Common Shares Outstanding (in shares)									801,229	809,834	793,970
Basic Earnings Per Common Share (in dollars per share)	$ 16.56	$ 15.12	$ 12.90	$ 12.24	$ 4.64	$ 10.59	$ 10.12	$ 9.68	$ 56.82	$ 35.03	$ 37.44

Employee Benefit Plans (Details

Employee Benefit Plans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)Contribution	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Executive Retirement Plan, Life Insurance Arrangements and Senior Management Retention Plan [Abstract]
Tax-exempt interest earned on the life insurance policies	$ 1,900	$ 1,822	$ 1,864
Executive Officers [Member]
Executive Retirement Plan, Life Insurance Arrangements and Senior Management Retention Plan [Abstract]
Employer contribution	6,200	4,300	3,800
Total accrued liability	48,500	43,300
Tax-exempt interest earned on the life insurance policies	1,900	1,800	1,900
Cash surrender value of life insurance policies	65,100	59,600
Senior Level Employees [Member] | Senior Management Retention Plan [Member]
Executive Retirement Plan, Life Insurance Arrangements and Senior Management Retention Plan [Abstract]
Employer contribution	1,500	765	627
Total accrued liability	$ 5,700	4,400
Profit Sharing Plan [Member]
Profit Sharing Plan [Abstract]
us-gaap_PensionPlansDefinedBenefitMember	us-gaap:DefinedContributionPlanTypeExtensibleList
Minimum requisite service period	1 year
Number of annual employer contribution | Contribution	2
Employer discretionary contribution amount	$ 1,200	1,000	975
Employer mandatory contributions amount	$ 1,400	$ 1,200	$ 1,200
Annual vesting percentage, first year	0.00%
Annual vesting percentage, full year thereafter	25.00%
Benefit vesting period	5 years

Fair Value Measurements, Assets

Fair Value Measurements, Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Percentage of selling costs		10.00%
Investment Securities Available-for-Sale		$ 495,396	$ 481,596
Transfer into Level 3		0
Transfer out of Level 3		0
Gains (losses) for assets categorized as Level 3 assets		0
Government Agency & Government-Sponsored Entities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		3,039	3,128
US Treasury Notes [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		164,514	144,164
US Govt SBA [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		15,447	29,380
Mortgage Backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale	[1]	307,045	301,914
Other [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		5,351	3,010
Significant Unobservable Inputs (Level 3) [Member] | SBA Loans [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		2,500
Significant Unobservable Inputs (Level 3) [Member] | California Reclamation Districts [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		1,600
Significant Unobservable Inputs (Level 3) [Member] | Pacific Coast Bankers' Bank and The Independent Bankers' Bank Stock [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		745
Recurring [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		495,396	481,596
Recurring [Member] | Government Agency & Government-Sponsored Entities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		3,039	3,128
Recurring [Member] | US Treasury Notes [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		164,514	144,164
Recurring [Member] | US Govt SBA [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		15,447	29,380
Recurring [Member] | Mortgage Backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		307,045	301,914
Recurring [Member] | Other [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		5,351	3,010
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		164,716	144,364
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Government Agency & Government-Sponsored Entities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | US Treasury Notes [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		164,514	144,164
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | US Govt SBA [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage Backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		202	200
Recurring [Member] | Other Observable Inputs (Level 2) [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		325,841	334,732
Recurring [Member] | Other Observable Inputs (Level 2) [Member] | Government Agency & Government-Sponsored Entities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		3,039	3,128
Recurring [Member] | Other Observable Inputs (Level 2) [Member] | US Treasury Notes [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Other Observable Inputs (Level 2) [Member] | US Govt SBA [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		15,447	29,380
Recurring [Member] | Other Observable Inputs (Level 2) [Member] | Mortgage Backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		307,045	301,914
Recurring [Member] | Other Observable Inputs (Level 2) [Member] | Other [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		310	310
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		4,839	2,500
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Government Agency & Government-Sponsored Entities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | US Treasury Notes [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | US Govt SBA [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage Backed Securities [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other [Member]
Assets Measured at Fair Value on Recurring Basis by Fair Value Hierarchy [Abstract]
Investment Securities Available-for-Sale		$ 4,839	$ 2,500
[1]	All Mortgage Backed Securities were issued by an agency or government sponsored entity of the U.S. government.

Fair Value Measurements, Asse_2

Fair Value Measurements, Assets or Liabilities Measured at Fair Value on a Non-recurring Basis (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	$ 5,732	$ 5,181
Other Real Estate	873	873
Total Assets Measured at Fair Value On a Non-Recurring Basis	6,605	6,054
Commercial Real Estate [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	2,658	2,595
Residential 1st Mortgages [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	1,550	997
Home Equity Lines and Loans [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	70	75
Commercial [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	1,454	1,514
Real Estate Construction [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Other Real Estate	873	873
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Real Estate	0	0
Total Assets Measured at Fair Value On a Non-Recurring Basis	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Commercial Real Estate [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Residential 1st Mortgages [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Home Equity Lines and Loans [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Commercial [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Real Estate Construction [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Other Real Estate	0	0
Other Observable Inputs (Level 2) [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Real Estate	0	0
Total Assets Measured at Fair Value On a Non-Recurring Basis	0	0
Other Observable Inputs (Level 2) [Member] | Commercial Real Estate [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Observable Inputs (Level 2) [Member] | Residential 1st Mortgages [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Observable Inputs (Level 2) [Member] | Home Equity Lines and Loans [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Observable Inputs (Level 2) [Member] | Commercial [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	0	0
Other Observable Inputs (Level 2) [Member] | Real Estate Construction [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Other Real Estate	0	0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	5,732	5,181
Other Real Estate	873	873
Total Assets Measured at Fair Value On a Non-Recurring Basis	6,605	6,054
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	2,658	2,595
Significant Unobservable Inputs (Level 3) [Member] | Residential 1st Mortgages [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	1,550	997
Significant Unobservable Inputs (Level 3) [Member] | Home Equity Lines and Loans [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	70	75
Significant Unobservable Inputs (Level 3) [Member] | Commercial [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Impaired Loans	1,454	1,514
Significant Unobservable Inputs (Level 3) [Member] | Real Estate Construction [Member]
Fair Value on Non-recurring Basis by Fair Value Hierarchy [Abstract]
Other Real Estate	$ 873	$ 873

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Level 3 [Member] | Commercial Real Estate [Member] | Income Approach [Member] | Capitalization Rate [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.0325
Level 3 [Member] | Commercial Real Estate [Member] | Income Approach [Member] | Capitalization Rate [Member] | Weighted Average [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.0325
Level 3 [Member] | Residential 1st Mortgages [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Minimum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.01
Level 3 [Member] | Residential 1st Mortgages [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Maximum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.04
Level 3 [Member] | Residential 1st Mortgages [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Weighted Average [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.03
Level 3 [Member] | Home Equity Lines and Loans [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Minimum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.01
Level 3 [Member] | Home Equity Lines and Loans [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Maximum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.02
Level 3 [Member] | Home Equity Lines and Loans [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Weighted Average [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.02
Level 3 [Member] | Commercial [Member] | Income Approach [Member] | Capitalization Rate [Member] | Minimum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.0295
Level 3 [Member] | Commercial [Member] | Income Approach [Member] | Capitalization Rate [Member] | Maximum [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.0870
Level 3 [Member] | Commercial [Member] | Income Approach [Member] | Capitalization Rate [Member] | Weighted Average [Member]
Quantitative Information [Abstract]
Impaired loans, measurement input	0.0340
Level 3 [Member] | Real Estate Construction [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member]
Quantitative Information [Abstract]
Other Real Estate Owned, Measurement Input	0.1
Level 3 [Member] | Real Estate Construction [Member] | Sales Comparison Approach [Member] | Adjustment for Difference Between Comparable Sales [Member] | Weighted Average [Member]
Quantitative Information [Abstract]
Other Real Estate Owned, Measurement Input	0.1
Nonrecurring [Member]
Quantitative Information [Abstract]
Impaired Loans	$ 5,732	$ 5,181
Other Real Estate	873	873
Nonrecurring [Member] | Commercial Real Estate [Member]
Quantitative Information [Abstract]
Impaired Loans	2,658	2,595
Nonrecurring [Member] | Residential 1st Mortgages [Member]
Quantitative Information [Abstract]
Impaired Loans	1,550	997
Nonrecurring [Member] | Home Equity Lines and Loans [Member]
Quantitative Information [Abstract]
Impaired Loans	70	75
Nonrecurring [Member] | Commercial [Member]
Quantitative Information [Abstract]
Impaired Loans	1,454	1,514
Nonrecurring [Member] | Real Estate Construction [Member]
Quantitative Information [Abstract]
Other Real Estate	873	873
Nonrecurring [Member] | Level 3 [Member]
Quantitative Information [Abstract]
Impaired Loans	5,732	5,181
Other Real Estate	873	873
Nonrecurring [Member] | Level 3 [Member] | Commercial Real Estate [Member]
Quantitative Information [Abstract]
Impaired Loans	2,658	2,595
Nonrecurring [Member] | Level 3 [Member] | Residential 1st Mortgages [Member]
Quantitative Information [Abstract]
Impaired Loans	1,550	997
Nonrecurring [Member] | Level 3 [Member] | Home Equity Lines and Loans [Member]
Quantitative Information [Abstract]
Impaired Loans	70	75
Nonrecurring [Member] | Level 3 [Member] | Commercial [Member]
Quantitative Information [Abstract]
Impaired Loans	1,454	1,514
Nonrecurring [Member] | Level 3 [Member] | Real Estate Construction [Member]
Quantitative Information [Abstract]
Other Real Estate	$ 873	$ 873

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets [Abstract]
Investment Securities Available-for-Sale	$ 495,396	$ 481,596
Carrying Amount [Member]
Assets [Abstract]
Cash and Cash Equivalents	145,564	187,149
Investment Securities Available-for-Sale	495,396	481,596
Investment Securities Held-to-Maturity	53,566	54,460
FHLB Stock	12,636	10,342
Loans & Leases, Net of Deferred Fees & Allowance	2,515,975	2,164,953
Accrued Interest Receivable	14,098	10,999
Liabilities [Abstract]
Deposits	3,062,832	2,723,228
Subordinated Debentures	10,310	10,310
Accrued Interest Payable	1,365	1,137
Estimated Fair Value [Member]
Assets [Abstract]
Cash and Cash Equivalents	145,564	187,149
Investment Securities Available-for-Sale	495,396	481,596
Investment Securities Held-to-Maturity	53,738	55,236
Loans & Leases, Net of Deferred Fees & Allowance	2,485,182	2,137,987
Accrued Interest Receivable	14,098	10,999
Liabilities [Abstract]
Deposits	3,058,571	2,720,502
Subordinated Debentures	7,745	7,428
Accrued Interest Payable	1,365	1,137
Estimated Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and Cash Equivalents	145,564	187,149
Investment Securities Available-for-Sale	164,716	144,364
Investment Securities Held-to-Maturity	0	0
Loans & Leases, Net of Deferred Fees & Allowance	0	0
Accrued Interest Receivable	0	0
Liabilities [Abstract]
Deposits	2,572,805	2,247,831
Subordinated Debentures	0	0
Accrued Interest Payable	0	0
Estimated Fair Value [Member] | Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and Cash Equivalents	0	0
Investment Securities Available-for-Sale	325,841	334,732
Investment Securities Held-to-Maturity	35,083	38,492
Loans & Leases, Net of Deferred Fees & Allowance	0	0
Accrued Interest Receivable	14,098	10,999
Liabilities [Abstract]
Deposits	485,766	472,671
Subordinated Debentures	7,745	7,428
Accrued Interest Payable	1,365	1,137
Estimated Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and Cash Equivalents	0	0
Investment Securities Available-for-Sale	4,839	2,500
Investment Securities Held-to-Maturity	18,655	16,744
Loans & Leases, Net of Deferred Fees & Allowance	2,485,182	2,137,987
Accrued Interest Receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Subordinated Debentures	0	0
Accrued Interest Payable	$ 0	$ 0

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Minimum future rental commitments under noncancellable operating leases [Abstract]
2019	$ 782
2020	743
2021	555
2022	231
2023	173
Due remaining term of the lease	493
Commitments to Extend Credit [Member]
Off Balance Sheet Commitments [Abstract]
Off-balance sheet risks, amount, liability	828,539	$ 735,678
Letters of Credit [Member]
Off Balance Sheet Commitments [Abstract]
Off-balance sheet risks, amount, liability	$ 19,108	20,061
Letters of Credit [Member] | Minimum [Member]
Off Balance Sheet Commitments [Abstract]
Off balance sheet risks maturity period	1 month
Letters of Credit [Member] | Maximum [Member]
Off Balance Sheet Commitments [Abstract]
Off balance sheet risks maturity period	37 months
Performance Guarantees under Interest Rate Swap Contracts Entered into between our Borrowing Customers and Third Parties [Member]
Off Balance Sheet Commitments [Abstract]
Off-balance sheet risks, amount, liability	$ 0	$ 759

Recent Accounting Development_2

Recent Accounting Developments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
The Tax Act [Abstract]
Corporate income tax rate	21.00%	35.00%	35.00%
Net reclassification between AOCI and retained earnings		$ 0
Retained Earnings [Member]
The Tax Act [Abstract]
Net reclassification between AOCI and retained earnings		144
AOCI [Member]
The Tax Act [Abstract]
Net reclassification between AOCI and retained earnings		(144)
Accounting Standards Update 2018-02 [Member] | Retained Earnings [Member]
The Tax Act [Abstract]
Net reclassification between AOCI and retained earnings		144
Accounting Standards Update 2018-02 [Member] | AOCI [Member]
The Tax Act [Abstract]
Net reclassification between AOCI and retained earnings		$ (144)

Parent Company Financial Info_3

Parent Company Financial Information, Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Condensed Balance Sheets [Abstract]
Investment Securities	$ 548,962	$ 536,056
Total Assets	3,434,243	3,075,452
Subordinated Debentures	10,310	10,310
Liabilities	3,123,028	2,775,792
Shareholders' Equity	311,215	299,660	$ 279,981	$ 251,835
Total Liabilities and Shareholders' Equity	3,434,243	3,075,452
Parent Company [Member]
Condensed Balance Sheets [Abstract]
Cash	335	332	$ 228	$ 308
Investment in Farmers & Merchants Bank of Central California	321,134	297,643
Investment Securities	409	409
Other Assets	(57)	12,006
Total Assets	321,821	310,390
Subordinated Debentures	10,310	10,310
Liabilities	296	420
Shareholders' Equity	311,215	299,660
Total Liabilities and Shareholders' Equity	$ 321,821	$ 310,390

Parent Company Financial Info_4

Parent Company Financial Information, Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Statements of Income [Abstract]
Interest Income	$ 34,188	$ 31,908	$ 30,501	$ 28,906	$ 28,076	$ 27,850	$ 26,531	$ 25,866	$ 125,503	$ 108,323	$ 95,070
Tax Benefit	(4,258)	(2,995)	(3,589)	(3,361)	(11,974)	(5,000)	(4,708)	(4,429)	(14,203)	(26,111)	(16,097)
Net Income	$ 13,036	$ 12,000	$ 10,550	$ 9,941	$ 3,781	$ 8,581	$ 8,187	$ 7,821	45,527	28,370	29,723
Parent Company [Member]
Condensed Statements of Income [Abstract]
Equity in Undistributed Earnings in Farmers & Merchants Bank of Central California									(26,488)	5,575	17,043
Dividends from Subsidiary									73,010	23,575	14,275
Interest Income									16	13	11
Other Expenses, Net									(1,527)	(1,552)	(2,485)
Tax Benefit									516	759	879
Net Income									$ 45,527	$ 28,370	$ 29,723

Parent Company Financial Info_5

Parent Company Financial Information, Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash Flows from Operating Activities [Abstract]
Net Income	$ 13,036	$ 12,000	$ 10,550	$ 9,941	$ 3,781	$ 8,581	$ 8,187	$ 7,821	$ 45,527	$ 28,370	$ 29,723
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities [Abstract]
Net Cash Provided by Operating Activities									57,774	39,944	34,812
Investing Activities [Abstract]
Net Cash Used in Investing Activities									(205,089)	(82,190)	(185,444)
Financing Activities [Abstract]
Stock Repurchased									(31,152)	0	0
Cash Dividends									(11,151)	(10,982)	(10,478)
Net Cash Provided by (Used by) Financing Activities									105,730	130,535	190,046
Increase (Decrease) in Cash and Cash Equivalents									(41,585)	88,289	39,414
Parent Company [Member]
Cash Flows from Operating Activities [Abstract]
Net Income									45,527	28,370	29,723
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities [Abstract]
Equity in Undistributed Net Earnings from Subsidiary									26,488	(5,575)	(17,043)
Net (Increase) Decrease in Other Assets									(125)	(11,822)	(124)
Net Increase (Decrease) in Liabilities									(942)	112	49
Net Cash Provided by Operating Activities									70,948	11,085	12,605
Investing Activities [Abstract]
Securities Sold or Matured									0	1	0
Payments for Business Acquisition									(28,642)	0	(2,207)
Payments for Investments in Subsidiaries									(10,503)	(2,953)	(2,586)
Net Cash Used in Investing Activities									(39,145)	(2,952)	(4,793)
Financing Activities [Abstract]
Stock Repurchased									(31,152)	0	0
Issuance of Common Stock									10,503	2,953	2,586
Cash Dividends									(11,151)	(10,982)	(10,478)
Net Cash Provided by (Used by) Financing Activities									(31,800)	(8,029)	(7,892)
Increase (Decrease) in Cash and Cash Equivalents									3	104	(80)
Cash and Cash Equivalents at Beginning of Year				$ 332				$ 228	332	228	308
Cash and Cash Equivalents at End of Year	$ 335				$ 332				$ 335	$ 332	$ 228

Quarterly Unaudited Financial_3

Quarterly Unaudited Financial Data (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Quarterly Unaudited Financial Data [Abstract]
Total Interest Income	$ 36,799	$ 34,065	$ 32,161	$ 30,428	$ 29,692	$ 29,609	$ 28,069	$ 27,242	$ 133,453	$ 114,612	$ 99,266
Total Interest Expense	2,611	2,157	1,660	1,522	1,616	1,759	1,538	1,376	7,950	6,289	4,196
Net Interest Income	34,188	31,908	30,501	28,906	28,076	27,850	26,531	25,866	125,503	108,323	95,070
Provision for Credit Losses	2,200	2,500	500	333	0	1,600	650	600	5,533	2,850	6,335
Net Interest Income After Provision for Credit Losses	31,988	29,408	30,001	28,573	28,076	26,250	25,881	25,266	119,970	105,473	88,735
Total Non-Interest Income	4,063	4,208	2,283	4,665	4,179	3,638	3,539	5,406	15,219	16,762	15,257
Total Non-Interest Expense	18,757	18,621	18,145	19,936	16,500	16,307	16,525	18,422	75,459	67,754	58,172
Income Before Income Taxes	17,294	14,995	14,139	13,302	15,755	13,581	12,895	12,250	59,730	54,481	45,820
Provision for Income Taxes	4,258	2,995	3,589	3,361	11,974	5,000	4,708	4,429	14,203	26,111	16,097
Net Income	$ 13,036	$ 12,000	$ 10,550	$ 9,941	$ 3,781	$ 8,581	$ 8,187	$ 7,821	$ 45,527	$ 28,370	$ 29,723
Basic Earnings Per Common Share (in dollars per share)	$ 16.56	$ 15.12	$ 12.90	$ 12.24	$ 4.64	$ 10.59	$ 10.12	$ 9.68	$ 56.82	$ 35.03	$ 37.44

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares	Mar. 15, 2019	Dec. 31, 2018	Dec. 31, 2017
Stock Issued [Abstract]
Shares issued to non-qualified defined contribution retirement plans (in shares)		13,520	4,975
Subsequent Event [Member]
Stock Issued [Abstract]
Shares issued to non-qualified defined contribution retirement plans (in shares)	3,586
Share price of shares issued (in dollars per share)	$ 715