Mother Lode Bank

Mother Lode Bank is headquartered in Sonora and is the 224^th largest bank in the state of California. It is also the 5,756^th largest bank in the nation. It was established in 2004 and as of March of 2013, it had grown to 20 employees at 2 locations. Mother Lode Bank has a 3-star health rating.

Mother Lode Bank Routing Number: 121143794

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Data for Q1 2013

Institution Statistics Mother Lode Bank FDIC Certificate # 57637 BankRate Report View Year Established 2004 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $65.25 million Loans $36.49 million Deposits $59.36 million Equity Capital $5.57 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $941,000 Real Estate Owned $2.66 million Historic Data - March 2012 Assets $60.59 million Equity Capital $5.48 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $1.22 million Real Estate Owned $1.61 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.75% Return on Equity 21.7% Interest Income $532,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 Mother Lode Bank had $3.6 million in non-current loans and owned real-estate with $6.59 million in equity and loan loss allowances on hand to cover it. This gives Mother Lode Bank a Texas Ratio of 54.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mother Lode Bank increased slightly from 42.60% as of March 31, 2012 to 54.68% as of March 31, 2013, resulting in a negative change of 28.34%. This indicates that the balance sheet and financial strength for Mother Lode Bank has declined slightly in recent periods. Deposit Growth In the past year, Mother Lode Bank has increased its total deposits by $4.44 million, resulting in 8.09% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mother Lode Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mother Lode Bank has $65.25 million in assets with $6.59 million in equity, resulting in a capitalization level of 10.10%, which is above average.

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