Call reports 2008
MOTHER LODE BANK — 2008
What MOTHER LODE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,277,000 | 62,239,000 | 70,685,000 | 68,952,000 |
| Total loans | 49,420,000 | 53,466,000 | 52,939,000 | 51,895,000 |
| Allowance for loan losses | 815,000 | 1,219,000 | 1,095,000 | 1,054,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,835,000 | 54,467,000 | 63,279,000 | 61,860,000 |
| Interest-bearing deposits | 43,010,000 | 43,053,000 | 49,587,000 | 46,701,000 |
| Noninterest-bearing deposits | 12,825,000 | 11,414,000 | 13,691,000 | 15,159,000 |
| Equity capital | 8,167,000 | 7,437,000 | 7,099,000 | 6,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 1,878,000 | 2,841,000 | 3,753,000 |
| Interest expense | 354,000 | 610,000 | 912,000 | 1,227,000 |
| Net interest income | 644,000 | 1,268,000 | 1,929,000 | 2,526,000 |
| Noninterest income | 84,000 | 165,000 | 241,000 | 312,000 |
| Noninterest expense | 850,000 | 1,704,000 | 2,560,000 | 3,309,000 |
| Provision for loan losses | 96,000 | 699,000 | 935,000 | 1,178,000 |
| Pretax income | -218,000 | -970,000 | -1,325,000 | -1,649,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -218,000 | -970,000 | -1,325,000 | -1,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,167,000 | 7,437,000 | 7,099,000 | 6,764,000 |
| Total capital | 8,780,000 | 8,125,000 | 7,810,000 | 7,461,000 |
| Risk-weighted assets | 53,201,000 | 55,435,000 | 57,621,000 | 57,025,000 |