Mother Lode Bank is based in Sonora, California.  The bank was established on July 30, 2004.  Mother Lode Bank has been FDIC insured since July 30, 2004.  Mother Lode Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the close of 2008, the bank had approximately 23 total full-time equivalent employees.  The bank ended that year with total assets of $68,952,000 and total deposits of $61,860,000.  The bank also incurred a
net loss of  -$1,649,000 for the year.

Mother Lode Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 5.98% 
Cost of funding earning assets 1.95% 
Net interest margin 4.02%
Return on assets (ROA) -2.47%
Return on equity (ROE) -21.79%
Noncurrent loans to loans 2.45%
Equity capital to assets 9.81% 
Core capital (leverage) ratio 9.99% 
Tier 1 risk-based capital ratio 11.86% 
Total risk-based capital ratio 13.08%

Mother Lode Bank products and services:

Mother Lode Bank provides various banking services to individuals and businesses.  It offers deposit products, including checking, savings, money market, certificate of deposit, individual retirement accounts, and health savings accounts.  The bank’s loan portfolio comprises personal, vehicle, recreational vehicle, boat, commercial loans/business lines of credit, construction, business equipment, letters of credit, small business administration lending, and real estate loans. It also provides various services comprising cash management services, merchant card processing, construction financing, reverse mortgage, Internet banking, and automated teller machine services.

Mother Lode Bank branch bank locations:

Downtown Sonora
172 West Stockton Rd.
Sonora, Ca. 95370
209) 694-8400

Junction Shopping Center
13769-C Mono Way
Sonora, Ca. 95370
(209) 532-9400

Loan Production Office
150 Big Trees Rd.
Murphys, Ca. 95247
(209) 728-3700

Mother Lode Bank web address: www.motherlodebank.com

Tags: , , , , , , , , ,

No user commented in " Mother Lode Bank "

Follow-up comment rss or Leave a Trackback

Leave A Reply

 Username (*required)

 Email Address (*private)

 Website (*optional)