Mother Lode Bank in Sonora, California (CA)



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Mother Lode Bank routing number info

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Mother Lode Bank
GeneralFDIC Certificate #: 57637
Status: Active
Federal Reserve ID: 3283372
Date Established: July 30, 2004
WWW: http://www.motherlodebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 418938
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 30, 2004
Last Structure Change Effective Date: March 26, 2008
Last Structure Change Process Date: March 26, 2008
Last Data Update: March 26, 2008
Data Source Date: April 05, 2012
LocationAddress: 172 West Stockton Road, Sonora, CA 95370
County: Tuolumne
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Sacramento
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Phoenix Lake-Cedar Ridge, CA (#38020)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $64.1 mil
Equity capital: $5.5 mil
Deposits held in domestic offices: $58.4 mil
Return on assets (ROA): -0.62% (-$0.4 mil)
Quarterly return on assets: -0.26% (-$0.2 mil)
Return on Equity (ROE): -6.61% (-$0.3 mil)
Quarterly return on equity: -2.97% (-$0.1 mil)
Net income: -$0.4 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.62% (-$397.3 mil)
Quarterly Pretax return on assets: -0.26% (-$166.6 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)19
Total assets$64,076
Cash and due from depository institutions$13,013
Interest-bearing balances$10,394
Securities$8,613
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$40,155
Loan loss allowance $1,118
Trading account assets$0
Bank premises and fixed assets$66
Other real estate owned$1,612
Goodwill and other intangibles$0
All other assets$617
Life insurance assets$64,076
Total liabilities and capital$58,578
Total liabilities$58,357
Total deposits$36,122
Interest-bearing deposits$58,357
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $221
All other liabilities $5,498
Total equity capital$5,498
Total bank equity capital$5,498
Perpetual preferred stock$0
Common stock$13,174
Surplus$0
Undivided profits $-7,676
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,218
Earning assets $0
Long-term assets (5+ years) $153
Average Assets, year-to-date $59,162
Average Assets, quarterly $25,803
Volatile liabilities $60,871
Insider loans $63,062
FHLB advances $40,968
Loans and leases held for sale $62,860
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,491
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,142
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,515
Total interest expense $163
Net interest income $2,352
Provision for loan and lease losses $306
Total noninterest income $245
Fiduciary activities $0
Service charges on deposit accounts $122
Trading account gains & fees $0
Additional noninterest income $123
Total noninterest expense $2,668
Salaries and employee benefits $1,297
Premises and equipment expense $268
Additional noninterest expense $1,103
Pre-tax net operating income -$377
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$377
Extraordinary gains - net $0
Net income attributable to bank -$377
Net charge-offs $0
Cash dividends -$377
Sale, conversion, retirement of capital stock, net $237
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.48%
Cost of funding earning assets 0.29%
Net interest margin 4.19%
Noninterest income to earning assets 0.44%
Noninterest expense to earning assets 4.75%
Net operating income to assets -0.62%
Return on assets (ROA) -0.62%
Pretax return on assets -0.62%
Return on equity (ROE) -6.61%
Retained earnings to average equity (YTD only) -6.61%
Net charge-offs to loans 0.58%
Credit loss provision to net charge-offs 129.11%
Efficiency ratio-0.30%
Assets per employee$102,734
Cash dividends to net income (YTD only)3.37%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.71%
Noncurrent assets plus other real estate owned to assets 91.79%
Noncurrent loans to loans 4.42%
Net loans and leases to deposits2.95%
Net loans and leases to core deposits 68.81%
Equity capital to assets 69.41%
Core capital (leverage) ratio 8.58%
Tier 1 risk-based capital ratio 8.74%
Total risk-based capital ratio 13.40%
Memoranda
Average assets$15
Average earning assets$60,871
Average equity $5,704
Average loans $56,148
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2 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0418938Mother Lode Bank172 West Stockton Road, Sonora, CA 95370July 30, 2004Full Service Brick and Mortar
1469428Junction Office13769-C Mono Way, Sonora, CA 95370November 06, 2007Full Service Brick and Mortar
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