0001437749-25-012121.txt : 20250416 0001437749-25-012121.hdr.sgml : 20250416 20250416090025 ACCESSION NUMBER: 0001437749-25-012121 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20250416 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20250416 DATE AS OF CHANGE: 20250416 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PLUMAS BANCORP CENTRAL INDEX KEY: 0001168455 STANDARD INDUSTRIAL CLASSIFICATION: SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153] ORGANIZATION NAME: 02 Finance EIN: 752987096 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-49883 FILM NUMBER: 25841340 BUSINESS ADDRESS: STREET 1: 5525 KIETZKE LANE, STE. 100 CITY: RENO STATE: NV ZIP: 89511 BUSINESS PHONE: 775-786-0907 MAIL ADDRESS: STREET 1: 5525 KIETZKE LANE, STE. 100 CITY: RENO STATE: NV ZIP: 89511 8-K 1 plbc20250414_8k.htm FORM 8-K plbc20250414_8k.htm
false 0001168455 0001168455 2025-04-16 2025-04-16
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 
Washington, D.C. 20549
 
 
FORM 8-K
 
CURRENT REPORT
 
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report: April 16, 2025 (Date
of earliest event reported)
 
Plumas Bancorp
(Exact name of registrant as specified in its charter)
 
California 000-49883 75-2987096
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification Number)
5525 Kietzke Lane, Suite 100, Reno,
   
Nevada   89511
(Address of principal executive offices)   (Zip Code)
 
775-786-0907
(Registrant's telephone number, including area code)
 
Not Applicable
(Former Name or Former Address, if changed since last report)
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
 
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.
 
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, no par value
PLBC
The NASDAQ Stock Market LLC
 
1
 
 
Item 2.02. Results of Operations and Financial Condition
 
On April 16, 2025, Plumas Bancorp (the "Registrant") reported its financial results for the three months ended March 31, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.
 
The information contained herein and in the accompanying exhibit is being furnished pursuant to "Item 2.02 Results of Operations and Financial Condition". The information contained herein and in the accompanying Exhibit 99.1 shall not be incorporated by reference into any filing of the Registrant, whether made before or after the date hereof, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference to such filing. The information in this report, including the exhibit hereto, shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended.
 
In connection with the foregoing, Plumas Bancorp hereby furnishes the following exhibit:
 
Item 9.01. Financial Statements and Exhibits
 
104 Cover Page Interactive Data File
 
(d) Exhibits
 
99.1
 
2
 
 
SIGNATURE
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
Dated: April 16, 2025
PLUMAS BANCORP
By:
/s/ Richard L. Belstock
Richard L. Belstock
Executive Vice President, Chief
    Financial Officer  
         
3
 
 
Exhibit Index
 
Exhibit No. Description
99.1 Press Release of Plumas Bancorp dated April 16, 2025
    
4
EX-99.1 2 ex_801713.htm EXHIBIT 99.1 ex_801713.htm
 

Exhibit 99.1

 

PLUMAS BANCORP REPORTS FIRST QUARTER RESULTS

 

Reno, Nevada, April 16, 2025 – Plumas Bancorp (Nasdaq: PLBC), the parent company of Plumas Bank (the “Bank”), today announced first quarter earnings of $7.2 million or $1.21 per share, up from $6.3 million or $1.06 per share during the first quarter of 2024. Diluted earnings per share was $1.20 during the three months ended March 31, 2025, up from $1.05 per share during the quarter ended March 31, 2024. Return on average assets was 1.79% during the current quarter, up from 1.55% during the first quarter of 2024. Return on average equity was 16.0% for the three months ended March 31, 2025, down from 16.4% during the first quarter of 2024.

 

Net-interest income increased by $1.1 million from $17.4 million during the three months ended March 31, 2024, to $18.5 million during the current quarter. The provision for credit losses decreased from $821 thousand during the first quarter of 2024 to $250 thousand during the current quarter.

 

Non-interest income increased by $1.1 million from $2.1 million during the three months ended March 31, 2024 to $3.2 million during the first quarter of 2025 related to a legal settlement totaling $1.1 million. This settlement related to the Dixie Fire in August of 2021 which swept through the town of Greenville, California. The fire caused severe damage to the Greenville area, including the telecommunications infrastructure which adversely affected our ability to service our customers in this area during the last few years.

 

Non-interest expense increased by $1.1 million from $10.4 million during the first quarter of 2024 to $11.5 million during the current quarter. Of this amount, $569 thousand relates to costs associated with our pending acquisition of Cornerstone Community Bancorp. We signed a definitive agreement to acquire Cornerstone Community Bancorp on January 28, 2025. Merger transaction costs that facilitate the merger are not deductible for income tax purposes. Of the $569 thousand in merger related costs, $562 thousand is estimated to be not deductible for state and federal income tax.

 

The provision for income taxes increased by $731 thousand from $2.1 million, 25.4% of pre-tax income, during the three months ended March 31, 2024 to $2.9 million, or 28.5% of pre-tax income, during the current quarter.

 

Balance sheet Highlights

March 31, 2025 compared to March 31, 2024

 

 

●

Gross loans increased by $35 million, or 3.5%, to $1.0 billion.
 

●

Total deposits increased by $73 million, or 5.6% to $1.4 billion.
 

●

Borrowings decreased by $105 million, or 87.5% to $15 million.
 

●

Total equity increased by $26 million, or 16.2% to $187.6 million.
 

●

Book value per share increased by $4.29, or 15.7% to $31.68.

 

President’s Comments

 

Andrew J. Ryback, director, president, and chief executive officer of Plumas Bancorp and Plumas Bank, described the first quarter accomplishments, saying, "The highlight of this quarter is the announcement of our definitive merger agreement with Cornerstone Community Bancorp, a partnership that will result in a combined company with over $2.3 billion in assets, $2.0 billion in deposits, and $1.5 billion in loans. This merger reinforces our commitment to serving Northern California and Western Nevada, creating enhanced opportunities for our clients, shareholders, and team members.

 

1
 

 

Through this merger, we unite Cornerstone Community Bank’s local expertise and strong practices with Plumas Bank’s innovative technology and business solutions. Together, we are positioned to expand our footprint and strengthen our offerings, ensuring sustained value for the communities we serve. With projected earnings accretion and a focused integration process, we are confident in our ability to deliver long-term growth and success.”

 

Mr. Ryback noted additional developments during the quarter, saying, “Piper Sandler added Plumas to its independent research coverage, boosting Plumas’ visibility among investors and enhancing market confidence. With coverage from Raymond James and Stephens, too, we expect fair market valuation as all three firms previously released ‘Buy’ recommendations for PLBC stock.”

 

Mr. Ryback concluded, “I want to express my gratitude to our shareholders, employees, and partners for their support during this transformative time. As we move forward, we remain steadfast in our dedication to fostering growth, innovation, and community impact, while maintaining the exceptional financial results and service excellence that define Plumas Bancorp."

 

Loans, Deposits, Investments and Cash

 

Gross loans increased by $34.5 million, or 3.5%, from $976 million at March 31, 2024, to $1.0 billion at March 31, 2025. Increases of $98 million in commercial real estate loans and $1 million in equity lines of credit were partially offset by decreases of $31 million in automobile loans, $18 million in construction loans, $11 million in agricultural loans and $4 million in commercial loans.

 

On March 31, 2025, approximately 77% of the Company's loan portfolio was comprised of variable rate loans. The rates of interest charged on variable rate loans are set at specific increments in relation to the Company's lending rate or other indexes such as the published prime interest rate or U.S. Treasury rates and vary with changes in these indexes. The frequency at which variable rate loans reprice can vary from one day to several years. Most of our commercial real estate portfolio reprices every five years. Loans indexed to the prime interest rate were approximately 16% of the Company’s loan portfolio; these loans reprice within one day to three months of a change in the prime rate.

 

Total deposits increased by $73 million to $1.4 billion at March 31, 2025. The increase in deposits includes increases of $10 million in demand deposits and $76 million in money market accounts. Partially offsetting these increases were decreases of $5 million in savings deposits and $8 million in time deposits. We attribute much of the increase in money market accounts to higher rate public entity deposits. At December 31, 2025, 49% of the Company’s deposits were in the form of non-interest-bearing demand deposits. The Company has no brokered deposits.

 

Investment securities totaled $447 million at March 31, 2025 and 2024. The Bank’s investment security portfolio consists of debt securities issued by US Government agencies, US Government sponsored agencies and municipalities. Cash and due from banks decreased by $41 million from $128 million at March 31, 2024, to $87 million at March 31, 2025.

 

2
 

 

Asset Quality

 

Nonperforming assets (which are comprised of nonperforming loans, other real estate owned (“OREO”) and repossessed vehicle holdings) at March 31, 2025, were $3.8 million, down from $6.0 million at March 31, 2024. Nonperforming assets as a percentage of total assets decreased to 0.23% at March 31, 2025, down from 0.37% at March 31, 2024. OREO decreased by $266 thousand from $357 thousand at March 31, 2024, to $91 thousand at March 31, 2025. Nonperforming loans were $3.7 million at March 31, 2025, and $5.6 million at March 31, 2024. Nonperforming loans as a percentage of total loans decreased to 0.36% at March 31, 2025, down from 0.57% at March 31, 2024.

 

During the first quarter of 2025 we recorded a provision for credit losses of $250 thousand consisting of a provision for credit losses on loans of $250 thousand. This compares to a provision for credit losses of $821 thousand consisting of a provision for credit losses on loans of $900 thousand and a decrease in the reserve for unfunded commitments of $79 thousand during the first quarter of 2024.

 

Net charge-offs totaled $127 thousand and $610 thousand during the three months ended March 31, 2025 and 2024, respectively. The allowance for credit losses totaled $13.3 million at March 31, 2025, and $13.2 million at March 31, 2024. The allowance for credit losses as a percentage of total loans was 1.32% at March 31, 2025, and 1.35% at March 31, 2024.

 

The following tables present the activity in the allowance for credit losses and the reserve for unfunded commitments during the three months ended March 31, 2025 and 2024 (in thousands).

 

Allowance for Credit Losses

  

March 31, 2025

    

March 31, 2024

  

Balance, beginning of period

   $ 13,196     $ 12,867  

Provision charged to operations

     250       900  

Losses charged to allowance

     (312 )     (680 )

Recoveries

     185       70  

Balance, end of period

   $ 13,319     $ 13,157  

 

Reserve for Unfunded

Commitments

  

March 31, 2025

    

March 31, 2024

  

Balance, beginning of period

   $ 620     $ 799  

Provision charged to operations

     -       (79 )

Balance, end of period

   $ 620     $ 720  

 

Bank Term Funding Program (BTFP)

 

At March 31, 2024, the Company had outstanding borrowings under BTFP totaling $105 million. All BTFP borrowings were paid off during 2024. Interest expense recognized on the BTFP borrowings for the three months ended March 31, 2024, was $1.2 million.

 

Shareholders’ Equity

 

Total shareholders’ equity increased by $26.1 million from $162 million at March 31, 2024, to $188 million at March 31, 2025. The $26.1 million includes earnings during the twelve-month period totaling $29.5 million, a decrease in accumulated other comprehensive loss of $2.1 million and stock option activity totaling $1.0 million. These items were partially offset by the payment of cash dividends totaling $6.5 million.

 

3
 

 

Liquidity

 

The Company manages its liquidity to provide the ability to generate funds to support asset growth, meet deposit withdrawals (both anticipated and unanticipated), fund customers' borrowing needs and satisfy maturity of short-term borrowings. The Company’s liquidity needs are managed using assets or liabilities, or both. On the asset side, in addition to cash and due from banks, the Company maintains an investment portfolio which includes unpledged U.S. Government-sponsored agency securities that are classified as available-for-sale. On the liability side, liquidity needs are managed by offering competitive rates on deposit products and the use of established credit lines.

 

The Company is a member of the Federal Home Loan Bank of San Francisco (FHLB) and can borrow up to $251 million from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $441 million. The Company is also eligible to borrow at the FRB Discount Window. At March 31, 2025 the Company could borrow up to $115 million at the Discount Window secured by investment securities with a fair value of $119 million. In addition to its FHLB borrowing line and the Discount Window, the Company has unsecured short-term borrowing agreements with two of its correspondent banks in the amounts of $50 million and $20 million. There were no outstanding borrowings to the FHLB, FRB Discount Window or the correspondent banks at March 31, 2025, and March 31, 2024.

 

Customer deposits are the Company’s primary source of funds. Total deposits increased by $73 million to $1.4 billion at March 31, 2025. Deposits are held in various forms with varying maturities. The Company estimates that it has approximately $510 million in uninsured deposits which includes uninsured deposits of Plumas Bancorp. Of this amount, $190 million represents deposits that are collateralized such as deposits of states, municipalities and tribal accounts.

 

The Company’s securities portfolio, Discount Window advances, FHLB advances, and cash and due from banks serve as the primary sources of liquidity, providing adequate funding for loans during periods of high loan demand. During periods of decreased lending, funds obtained from the maturing or sale of investments, loan payments, and new deposits are invested in short-term earning assets, such as cash held at the FRB and investment securities, to serve as a source of funding for future loan growth. Management believes that the Company’s available sources of funds, including borrowings, will provide adequate liquidity for its operations in the foreseeable future.

 

 

Net Interest Income and Net Interest Margin

 

Driven mostly by growth in the loan portfolio and the repayment of the BTFP borrowings, net interest income increased by $1.1 million from $17.4 million during the three months ended March 31, 2024, to $18.5 million for the three months ended March 31, 2025. The increase in net interest income includes an increase of $564 thousand in interest income and a decline of $518 thousand in interest expense.

 

4
 

 

Interest and fees on loans increased by $804 thousand related both to an increase in average balance and an increase in yield. Average loan balances increased by $48 million, while the average yield on loans increased by 8 basis points from 6.09% during the first quarter of 2024 to 6.17% during the current quarter. The average prime interest rate decreased from 8.5% during the first quarter of 2024 to 7.5% during the current quarter. Approximately 16% of the Company's loans are tied to the prime interest rate and most of these reprice within one to three months with a change in prime. The negative effect of the decrease in prime was offset by an increase in average yield on the bank’s fixed rate portfolio which includes growth in fixed rate SBA loans which totaled $74 million at March 31, 2025, and $47 million at March 31, 2024. The weighted average rate earned on this portfolio at March 31, 2025, was 8.3%.

 

Interest on investment securities increased by $114 thousand related to an increase in yield on investment securities of 44 basis points to 4.12%. The increase in investment yields is consistent with the partial restructuring of the investment portfolio during the first quarter of 2024. The effect of this increase in yield was mostly offset by a decline of $36 million in average investment securities.

 

Interest on cash balances decreased by $354 thousand related to a decline in average balance of $14 million and a decrease in average rate paid on cash balances of 105 basis points from 5.57% during the first quarter of 2024 to 4.52% during the current quarter. This decline in yield was mostly related to a decline in rate paid on balances held at the Federal Reserve Bank (FRB). The average rate earned on FRB balances decreased from 5.40% during the first quarter of 2024 to 4.40% during the current quarter.

 

Interest expense decreased by $518 thousand, mostly related to the repayment of the BTFP borrowings as discussed earlier. The average rate paid on interest bearing liabilities decreased from 1.33% during the 2024 quarter to 1.14% in 2025 related mainly to the decrease in these borrowings.

 

Interest paid on deposits increased by $710 thousand and is broken down by product type as follows: money market accounts - $770 thousand and savings deposits - $26 thousand. The increase in interest paid on money market accounts mostly relates to an increase in public entity balances. Interest on time deposits declined by $86 thousand related to a decline in average balance of $3 million and a decline in rate paid of 27 basis points. During the second half of 2024 and continuing into 2025, we have offered a premium rate on large balances of public entities in our service area, matching the rate they could earn from the California local agency investment fund. This has led to a significant increase in these balances and an increase in the overall rate paid on money market accounts. The average rate paid on interest-bearing deposits increased from 0.75% during the first quarter of 2024 to 1.11% during the current quarter.

 

Net interest margin for the three months ended March 31, 2025, increased 33bp to 4.95%, up from 4.62% for the same period in 2024.

 

Non-Interest Income/Expense

 

During the three months ended March 31, 2025, non-interest income totaled $3.2 million, an increase of $1.1 million from the three months ended March 31, 2024. The largest component of this increase was the $1.1 million settlement related to the Dixie Fire as discussed earlier.

 

During the three months ended March 31, 2025, total non-interest expense increased by $1.1 million from $10.4 million during the first quarter of 2024 to $11.5 million during the current quarter. The largest components of this increase were merger related expenses of $569 thousand. Salary and benefit expense increased by $514 thousand which includes an increase in salary expense of $269 thousand related primarily to merit and promotional salary increases. Related mostly to an increase in pre-tax income, bonus expense increased by $216 thousand. A decrease in deferred loan origination fees of $97 thousand was offset by a decline in commission expense of $137 thousand. Both items mostly relate to a decline in SBA loan production during the comparison quarters. Occupancy and equipment expense increased by $324 thousand from $1.7 million during the first quarter of 2024 to $2.0 million during the current quarter related to an increase of $338 thousand in rent expense related to the February 2024 sales/leaseback transaction.

 

5
 

 

Plumas Bancorp is headquartered in Reno, Nevada. Plumas Bancorp’s principal subsidiary is Plumas Bank, which was founded in 1980. Plumas Bank is a full-service community bank headquartered in Quincy, California. The bank operates fifteen branches: thirteen located in the California counties of Butte, Lassen, Modoc, Nevada, Placer, Plumas, Shasta, and Sutter and two branches located in Nevada in the counties of Carson City and Washoe. The bank also operates two loan production offices located in Auburn, California and Klamath Falls, Oregon. Plumas Bank offers a wide range of financial and investment services to consumers and businesses and has received nationwide Preferred Lender status with the United States Small Business Administration. For more information on Plumas Bancorp and Plumas Bank, please visit our website at www.plumasbank.com.

 

This news release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act of 1934, as amended and Plumas Bancorp intends for such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Future events are difficult to predict, and the expectations described above are necessarily subject to risk and uncertainty that may cause actual results to differ materially and adversely.

 

Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words "believe," "expect," "anticipate," "intend," "plan," "estimate," or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could," or "may." These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management's views as of any subsequent date. Forward-looking statements involve significant risks and uncertainties, and actual results may differ materially from those presented, either expressed or implied, in this news release. Factors that might cause such differences include, but are not limited to: the Company's ability to successfully execute its business plans and achieve its objectives; changes in general economic and financial market conditions, either nationally or locally in areas in which the Company conducts its operations; changes in interest rates; continuing consolidation in the financial services industry; new litigation or changes in existing litigation; increased competitive challenges and expanding product and pricing pressures among financial institutions; legislation or regulatory changes which adversely affect the Company's operations or business; loss of key personnel; and changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies.

 

Contact: Jamie Huynh

Investor Relations

Plumas Bancorp

5525 Kietzke Lane Ste. 100

Reno, NV 89511

775.786.0907 x8908

investorrelations@plumasbank.com

 

6
 

 

PLUMAS BANCORP

CONDENSED CONSOLIDATED BALANCE SHEETS

(In thousands)

(Unaudited)

 

   

As of March 31,

                  
   

2025

    

2024

    

Dollar

Change

    

Percentage

Change

  

ASSETS

                                

Cash and due from banks

   $ 87,327     $ 128,231     $ (40,904 )     (31.9 )%

Investment securities

     447,293       447,445       (152 )     (0.0 )%

Loans, net of allowance for credit losses

     1,000,651       966,141       34,510       3.6 %

Premises and equipment, net

     12,349       12,960       (611 )     (4.7 )%

Right-of-use assets

     24,003       25,295       (1,292 )     (5.1 )%

Bank owned life insurance

     16,628       16,206       422       2.6 %

Real estate acquired through foreclosure

     91       357       (266 )     (74.5 )%

Goodwill

     5,502       5,502       -       0.0 %

Accrued interest receivable and other assets

     39,448       38,196       1,252       3.3 %

Total assets

   $ 1,633,292     $ 1,640,333     $ (7,041 )     (0.4 )%
                                 

LIABILITIES AND SHAREHOLDERS’ EQUITY

                                

Deposits

   $ 1,373,061     $ 1,299,688     $ 73,373       5.6 %

Lease liabilities

     24,523       25,424       (901 )     (3.5 )%

Accrued interest payable and other liabilities

     33,105       33,730       (625 )     (1.9 )%

Borrowings

     15,000       120,000       (105,000 )     (87.5 )%

Total liabilities

     1,445,689       1,478,842       (33,153 )     (2.2 )%

Common stock

     29,454       28,492       962       3.4 %

Retained earnings

     179,411       156,414       22,997       14.7 %

Accumulated other comprehensive loss, net

     (21,262 )     (23,415 )     2,153       9.2 %

Shareholders’ equity

     187,603       161,491       26,112       16.2 %

Total liabilities and shareholders’ equity

   $ 1,633,292     $ 1,640,333     $ (7,041 )     (0.4 )%

 

7
 

 

PLUMAS BANCORP

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(In thousands, except per share data)

(Unaudited)

 

FOR THE THREE MONTHS ENDED MARCH 31,

  

2025

    

2024

    

Dollar

Change

    

Percentage

Change

  
                                 

Interest income

   $ 20,590     $ 20,026     $ 564       2.8 %

Interest expense

     2,051       2,569       (518 )     -20.2 %

Net interest income before provision for credit losses

     18,539       17,457       1,082       6.2 %

Provision for credit losses

     250       821       (571 )     (69.5 )%

Net interest income after provision for credit losses

     18,289       16,636       1,653       9.9 %

Non-interest income

     3,213       2,140       1,073       50.1 %

Non-interest expense

     11,466       10,397       1,069       10.3 %

Income before income taxes

     10,036       8,379       1,657       19.8 %

Provision for income taxes

     2,856       2,125       731       34.4 %

Net income

   $ 7,180     $ 6,254     $ 926       14.8 %
                                 

Basic earnings per share

   $ 1.21     $ 1.06     $ 0.15       14.2 %

Diluted earnings per share

   $ 1.20     $ 1.05     $ 0.15       14.3 %

 

8
 

 

PLUMAS BANCORP

SELECTED FINANCIAL INFORMATION

(Dollars in thousands, except per share data)

(Unaudited)

 

   

Three Months Ended

    

Year Ended

  
   

3/31/2025

    

12/31/2024

    

3/31/2024

    

12/31/2024

    

12/31/2023

  

EARNINGS PER SHARE

                                        

Basic earnings per share

   $ 1.21     $ 1.31     $ 1.06     $ 4.85     $ 5.08  

Diluted earnings per share

   $ 1.20     $ 1.29     $ 1.05     $ 4.80     $ 5.02  

Weighted average shares outstanding

     5,911       5,900       5,887       5,895       5,863  

Weighted average diluted shares outstanding

     6,002       5,995       5,946       5,968       5,934  

Cash dividends paid per share 1

   $ 0.30     $ 0.27     $ 0.27     $ 1.08     $ 1.00  
                                         

PERFORMANCE RATIOS (annualized for the three months)

                          

Return on average assets

     1.79 %     1.87 %     1.55 %     1.74 %     1.88 %

Return on average equity

     16.0 %     17.1 %     16.4 %     17.2 %     23.4 %

Yield on earning assets

     5.50 %     5.50 %     5.30 %     5.49 %     5.03 %

Rate paid on interest-bearing liabilities

     1.14 %     1.27 %     1.33 %     1.39 %     0.67 %

Net interest margin

     4.95 %     4.90 %     4.62 %     4.79 %     4.71 %

Noninterest income to average assets

     0.80 %     0.53 %     0.53 %     0.53 %     0.68 %

Noninterest expense to average assets

     2.85 %     2.57 %     2.57 %     2.56 %     2.36 %

Efficiency ratio 2

     52.7 %     50.4 %     53.1 %     51.3 %     46.6 %

 

   

3/31/2025

    

3/31/2024

    

12/31/2024

    

12/31/2023

    

12/31/2022

  

CREDIT QUALITY RATIOS AND DATA

                                        

Allowance for credit losses

   $ 13,319     $ 13,157     $ 13,196     $ 12,867     $ 10,717  

Allowance for credit losses as a percentage of total loans

     1.32 %     1.35 %     1.30 %     1.34 %     1.18 %

Nonperforming loans

   $ 3,686     $ 5,610     $ 4,105     $ 4,820     $ 1,172  

Nonperforming assets

   $ 3,787     $ 6,000     $ 4,307     $ 5,315     $ 1,190  

Nonperforming loans as a percentage of total loans

     0.36 %     0.57 %     0.40 %     0.50 %     0.13 %

Nonperforming assets as a percentage of total assets

     0.23 %     0.37 %     0.27 %     0.33 %     0.07 %

Year-to-date net charge-offs

   $ 127     $ 610     $ 1,046     $ 954     $ 935  

Year-to-date net charge-offs as a percentage of average loans (annualized)

     0.05 %     0.25 %     0.11 %     0.10 %     0.11 %

 

                                        

CAPITAL AND OTHER DATA

                                        

Common shares outstanding at end of period

     5,922       5,896       5,903       5,872       5,850  

Shareholders' equity

   $ 187,603     $ 161,491     $ 177,899     $ 147,317     $ 119,004  

Book value per common share

   $ 31.68     $ 27.39     $ 30.14     $ 25.09     $ 20.34  

Tangible common equity3

   $ 181,354     $ 155,048     $ 171,606     $ 140,823     $ 112,273  

Tangible book value per common share4

   $ 30.62     $ 26.30     $ 29.07     $ 23.98     $ 19.19  

Tangible common equity to total assets

     11.1 %     9.5 %     10.6 %     8.7 %     6.9 %

Gross loans to deposits

     73.6 %     75.1 %     74.1 %     71.9 %     62.6 %
                                         

PLUMAS BANK REGULATORY CAPITAL RATIOS

                                        

Tier 1 Leverage Ratio

     12.3 %     11.0 %     11.9 %     10.8 %     9.2 %

Common Equity Tier 1 Ratio

     17.8 %     16.1 %     17.3 %     15.7 %     14.7 %

Tier 1 Risk-Based Capital Ratio

     17.8 %     16.1 %     17.3 %     15.7 %     14.7 %

Total Risk-Based Capital Ratio

     19.0 %     17.4 %     18.5 %     16.9 %     15.7 %

 

(1) The Company paid  a quarterly cash dividend of $0.30 per share on February 17, 2025 and a quarterly cash dividend of $0.27 per share on February 15, 2024, May 15, 2024, August 15, 2024 and November 15, 2024 and a quarterly cash dividend of $0.25 per share on February 15, 2023, May 15, 2023, August 15, 2023 and November 15, 2023.

(2) Efficiency ratio is defined as noninterest expense divided by total revenue (net interest income and total noninterest income). 

(3) Tangible common equity is defined as common equity less core deposit intangibles and goodwill.

(4) Tangible common book value per share is defined as tangible common equity divided by common shares outstanding.

 

9
 

 

PLUMAS BANCORP

SELECTED FINANCIAL INFORMATION

(Dollars in thousands)

(Unaudited)

 

The following table presents for the three-month periods indicated the distribution of consolidated average assets, liabilities and shareholders' equity.

 

   

For the Three Months Ended

    

For the Three Months Ended

  
   

3/31/2025

    

3/31/2024

  
   

Average

            

Yield/

    

Average

            

Yield/

  
   

Balance

    

Interest

    

Rate

   

Balance

    

Interest

    

Rate

 

Interest-earning assets:

                                                

Loans (2) (3)

   $ 1,011,968     $ 15,396       6.17 %   $ 964,132     $ 14,592       6.09 %

Investment securities

     369,126       3,927       4.31 %     371,792       3,605       3.90 %

Non-taxable investment securities (1)

     74,883       583       3.16 %     108,175       791       2.94 %

Interest-bearing deposits

     61,409       684       4.52 %     75,005       1,038       5.57 %

Total interest-earning assets

     1,517,386       20,590       5.50 %     1,519,104       20,026       5.30 %

Cash and due from banks

     26,477                       26,586                  

Other assets

     86,335                       80,508                  

Total assets

   $ 1,630,198                     $ 1,626,198                  
                                                 

Interest-bearing liabilities:

                                                

Money market deposits

     279,184       1,145       1.66 %     211,183       375       0.71 %

Savings deposits

     323,449       206       0.26 %     335,565       180       0.22 %

Time deposits

     88,386       545       2.50 %     91,501       631       2.77 %

Total deposits

     691,019       1,896       1.11 %     638,249       1,186       0.75 %

Borrowings

     15,000       145       3.92 %     114,342       1,367       4.81 %

Other interest-bearing liabilities

     21,190       10       0.19 %     21,713       16       0.30 %

Total interest-bearing liabilities

     727,209       2,051       1.14 %     774,304       2,569       1.33 %

Non-interest-bearing deposits

     682,495                       673,789                  

Other liabilities

     38,096                       24,440                  

Shareholders' equity

     182,398                       153,665                  

Total liabilities & equity

   $ 1,630,198                     $ 1,626,198                  

Cost of funding interest-earning assets (4)

                     0.55 %                     0.68 %

Net interest income and margin (5)

           $ 18,539       4.95 %           $ 17,457       4.62 %

 

(1)     Not computed on a tax-equivalent basis.

(2)     Average nonaccrual loan balances of $3.8 million for 2025 and $5.6 million for 2024 are included in average loan balances for computational purposes.

(3)     Net costs included in loan interest income for the three-month periods ended March 31, 2025 and 2024 were $275 thousand and $344 thousand, respectively.

(4)     Total annualized interest expense divided by the average balance of total earning assets.

(5)     Annualized net interest income divided by the average balance of total earning assets.

 

10
 

 

PLUMAS BANCORP

SELECTED FINANCIAL INFORMATION

(Dollars in thousands)

(Unaudited)

 

The following table presents the components of non-interest income for the three-month periods ended March 31, 2025 and 2024.

 

   

For the Three Months Ended

                  
   

March 31,

                  
   

2025

    

2024

    

Dollar

Change

    

Percentage

Change

  

Service charges on deposit accounts

     705       715       (10 )     (1.4 )%

Interchange income

   $ 690     $ 739       (49 )     (6.6 )%

Loan servicing fees

     186       213       (27 )     (12.7 )%

FHLB Dividends

     137       137       -       - %

Earnings on life insurance policies

     109       96       13       13.5 %

Gain on sale of buildings

     -       19,854       (19,854 )     (100.0 )%

Loss on sale of investment securities

     -       (19,826 )     19,826       100.0 %

Other

     1,386       212       1,174       553.8 %

Total non-interest income

   $ 3,213     $ 2,140     $ 1,073       50.1 %

 

The following table presents the components of non-interest expense for the three-month periods ended March 31, 2025 and 2024.

 

 

   

For the Three Months Ended

                  
   

March 31,

                  
   

2025

    

2024

    

Dollar

Change

    

Percentage

Change

  

Salaries and employee benefits

   $ 5,880     $ 5,366     $ 514       9.6 %

Occupancy and equipment

     2,014       1,690       324       19.2 %

Outside service fees

     1,263       1,132       131       11.6 %

Merger and acquisition expenses

     569       -       569       100.0 %

Advertising and shareholder relations

     262       244       18       7.4 %

Professional fees

     229       439       (210 )     (47.8 )%

Armored car and courier

     217       203       14       6.9 %

Deposit insurance

     182       187       (5 )     (2.7 )%

Telephone and data communication

     174       222       (48 )     (21.6 )%

Director compensation and expense

     167       167       -       - %

Business development

     167       153       14       9.2 %

Loan collection expenses

     72       104       (32 )     (30.8 )%

Amortization of Core Deposit Intangible

     44       51       (7 )     (13.7 )%

Other

     226       439       (213 )     (48.5 )%

Total non-interest expense

   $ 11,466     $ 10,397     $ 1,069       10.3 %

 

11
 

 

PLUMAS BANCORP

SELECTED FINANCIAL INFORMATION

(Dollars in thousands)

(Unaudited)

 

The following table shows the distribution of loans by type at March 31, 2025 and 2024.

 

           

Percent of

            

Percent of

  
           

Loans in Each

            

Loans in Each

  
   

Balance at End

    

Category to

    

Balance at End

    

Category to

  
   

of Period

    

Total Loans

    

of Period

    

Total Loans

  
   

3/31/2025

    

3/31/2025

    

3/31/2024

    

3/31/2024

  

Commercial

   $ 77,745       7.7 %   $ 82,136       8.4 %

Agricultural

     112,018       11.1 %     123,239       12.6 %

Real estate – residential

     11,606       1.1 %     11,872       1.2 %

Real estate – commercial

     660,926       65.4 %     562,870       57.7 %

Real estate – construction & land

     46,730       4.6 %     64,547       6.6 %

Equity Lines of Credit

     38,634       3.8 %     37,196       3.8 %

Auto

     58,295       5.8 %     89,399       9.2 %

Other

     4,769       0.5 %     4,953       0.5 %

Total Gross Loans

   $ 1,010,723       100 %   $ 976,212       100 %

 

The following table shows the distribution of Commercial Real Estate loans at March 31, 2025 and 2024.

 

           

Percent of

            

Percent of

  
           

Loans in Each

            

Loans in Each

  
   

Balance at End

    

Category to

    

Balance at End

    

Category to

  
   

of Period

    

Total Loans

    

of Period

    

Total Loans

  
   

3/31/2025

    

3/31/2025

    

3/31/2024

    

3/31/2024

  

Owner occupied

   $ 295,593       44.7 %   $ 194,954       34.6 %

Investor

     365,333       55.3 %     367,916       65.4 %

Total real estate - commercial

   $ 660,926       100 %   $ 562,870       100 %

 

The following table shows the distribution of deposits by type at March 31, 2025 and 2024.

 

           

Percent of

            

Percent of

  
           

Deposits in Each

            

Deposits in Each

  
   

Balance at End

    

Category to

    

Balance at End

    

Category to

  
   

of Period

    

Total Deposits

    

of Period

    

Total Deposits

  
   

3/31/2025

    

3/31/2025

    

3/31/2024

    

3/31/2024

  

Non-interest bearing

   $ 676,461       49.3 %   $ 665,975       51.2 %

Money Market

     290,125       21.1 %     214,257       16.5 %

Savings

     323,496       23.6 %     328,781       25.3 %

Time

     82,979       6.0 %     90,675       7.0 %

Total Deposits

   $ 1,373,061       100 %   $ 1,299,688       100 %

 

12
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