Mother Lode Bank in Sonora, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Mother Lode Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 19Total employees (full-time equivalent)
  • $64,076Total assets
  • $13,013Cash and due from depository institutions
  • $10,394Interest-bearing balances
  • $8,613Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,155Net loans & leases
  • $1,118Loan loss allowance
  • $0Trading account assets
  • $66Bank premises and fixed assets
  • $1,612Other real estate owned
  • $0Goodwill and other intangibles
  • $64,076Life insurance assets
  • $617All other assets
  • $58,578Total liabilities and capital
  • $58,357Total liabilities
  • $36,122Total deposits
  • $58,357Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $221Subordinated debt
  • $5,498All other liabilities
  • $5,498Total equity capital
  • $5,498Total bank equity capital
  • $0Perpetual preferred stock
  • $13,174Common stock
  • $0Surplus
  • $-7,676Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,218Income earned, not collected on loans
  • $0Earning assets
  • $153Long-term assets (5+ years)
  • $59,162Average Assets, year-to-date
  • $25,803Average Assets, quarterly
  • $60,871Volatile liabilities
  • $63,062Insider loans
  • $40,968FHLB advances
  • $62,860Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,491Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,142Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,515Total interest income
  • $163Total interest expense
  • $2,352Net interest income
  • $306Provision for loan and lease losses
  • $245Total noninterest income
  • $0Fiduciary activities
  • $122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $123Additional noninterest income
  • $2,668Total noninterest expense
  • $1,297Salaries and employee benefits
  • $268Premises and equipment expense
  • $1,103Additional noninterest expense
  • -$377Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$377Income before extraordinary items
  • $0Extraordinary gains - net
  • -$377Net income attributable to bank
  • $0Net charge-offs
  • -$377Cash dividends
  • $237Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 4.75%Noninterest expense to earning assets
  • -0.62%Net operating income to assets
  • -0.62%Return on assets (ROA)
  • -0.62%Pretax return on assets
  • -6.61%Return on equity (ROE)
  • -6.61%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 129.11%Credit loss provision to net charge-offs
  • -0.30%Efficiency ratio
  • 102,734Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 91.79%Noncurrent assets plus other real estate owned to assets
  • 4.42%Noncurrent loans to loans
  • 2.95%Net loans and leases to deposits
  • 68.81%Net loans and leases to core deposits
  • 69.41%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 13.40%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $60,871Average earning assets
  • $5,704Average equity
  • $56,148Average loans

List of branches

  • 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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