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Mother Lode Bank

Sonora, CA · Cert 57637

FDIC · 2 branches

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mother Lode Bank

Sonora, CA · Cert 57637

FDIC · 2 branches

Q3 2015

$70.5MAssets
$47.2MLoans
$65.1MDeposits
$5.1MEquity
Loan mix
79%RE $33.1M20%C&I $8.4M1%Consumer $0.2MQ3 2014Q3 2015
Deposit mix
56%Interest-bearing $36.5M44%Noninterest $28.6MQ3 2014Q3 2015

NIM

3.19%Q3 ’133.47%Q3 ’143.56%Q3 ’15+10%+3%

Non-interest income vs. expense

4.13%Q3 ’134.48%Q3 ’144.38%Q3 ’15+23%-10%

Executive Summary

  • Earnings: ROA of 0.09%, up 57 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.47%.
  • Capital: tier 1 leverage ratio of 7.00%.
  • Funding: loans stand at 72.46% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.09%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+10 bps YoY

Efficiency Ratio (YTD, annualized)

97.72%-1,192 bps YoY

Tier 1 Leverage Ratio

7.00%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.48%-0.74%0.36%0.31%0.09%+57 bps
Return on Equity-6.23%-9.94%5.09%4.39%1.32%+754 bps
Net Interest Margin3.42%3.34%3.59%3.73%3.52%+10 bps
Efficiency Ratio109.65%109.51%92.14%93.06%97.72%-1,192 bps
Non-Interest Burden3.82%3.73%3.23%3.41%3.43%-39 bps
Growth
Asset Growth (YoY)-2.80%8.00%5.10%10.02%9.98%+1,277 bps
Loan Growth (YoY)24.16%27.93%26.23%15.90%4.66%-1,950 bps
Deposit Growth (YoY)-2.89%8.71%5.40%10.76%10.82%+1,370 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%-0.68%-0.47%-45 bps
Allowance / Loans2.44%2.22%2.22%2.59%2.69%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a7.23%7.41%7.00%n/a
Total Risk-Based Capital13.16%12.42%11.93%12.74%12.76%-40 bps
Equity / Assets7.92%6.74%7.56%7.23%7.17%-75 bps
Liquidity & Funding
Loans / Deposits76.72%72.28%80.70%75.19%72.46%-426 bps
Liquid Assets / Assets13.87%29.32%22.83%28.84%30.88%+1,701 bps
CRE / Total Capitaln/an/an/an/an/an/an/a