Plumas Bank in Quincy, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Plumas Bank - Overview

  • General
  • FDIC Certificate #: 23275
    Status: Active
    Federal Reserve ID: 670467
    Bank Holding Company (Regulatory Top Holder): Plumas Bancorp (RSSDID: 3098576, Location: Quincy, CA)
    Date Established: December 13, 1980
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    FDIC's unique #: 16311
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 13, 1980
    Last Structure Change Effective Date: November 12, 2008
    Last Structure Change Process Date: November 12, 2008
    Last Data Update: November 12, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 336 West Main Street, Quincy, CA 95971
    County: Plumas
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $454.3 mil
    Equity capital: $48.8 mil
    Deposits held in domestic offices: $391.8 mil
    Return on assets (ROA): 0.27% ($1.2 mil)
    Quarterly return on assets: 0.29% ($1.3 mil)
    Return on Equity (ROE): 2.59% ($1.3 mil)
    Quarterly return on equity: 2.73% ($1.3 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.38% ($1,726.2 mil)
    Quarterly Pretax return on assets: 0.40% ($1,817.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 142Total employees (full-time equivalent)
  • $454,262Total assets
  • $63,076Cash and due from depository institutions
  • $47,958Interest-bearing balances
  • $57,917Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $287,432Net loans & leases
  • $6,908Loan loss allowance
  • $0Trading account assets
  • $13,457Bank premises and fixed assets
  • $8,623Other real estate owned
  • $866Goodwill and other intangibles
  • $454,262Life insurance assets
  • $22,891All other assets
  • $405,440Total liabilities and capital
  • $391,800Total liabilities
  • $265,210Total deposits
  • $391,800Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 8278.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,362Subordinated debt
  • $48,822All other liabilities
  • $48,822Total equity capital
  • $48,822Total bank equity capital
  • $0Perpetual preferred stock
  • $2,365Common stock
  • $18,375Surplus
  • $28,082Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,091Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,829Income earned, not collected on loans
  • $3,310Earning assets
  • $1,638Long-term assets (5+ years)
  • $393,307Average Assets, year-to-date
  • $137,217Average Assets, quarterly
  • $466,193Volatile liabilities
  • $463,061Insider loans
  • $328,495FHLB advances
  • $457,636Loans and leases held for sale
  • $10,815Unused loan commitments
  • $10,815Tier 1 (core) risk-based capital
  • $45,073Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $79,164Restructured Loans and leases
  • $595Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,675Total interest income
  • $1,484Total interest expense
  • $17,191Net interest income
  • $3,500Provision for loan and lease losses
  • $5,319Total noninterest income
  • $0Fiduciary activities
  • $2,087Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,232Additional noninterest income
  • $17,925Total noninterest expense
  • $9,187Salaries and employee benefits
  • $2,286Premises and equipment expense
  • $6,452Additional noninterest expense
  • $1,085Pre-tax net operating income
  • $666Securities gains (losses)
  • $507Applicable income taxes
  • $1,244Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,244Net income attributable to bank
  • $0Net charge-offs
  • $1,244Cash dividends
  • $3,916Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.24%Net interest margin
  • 1.31%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 2.59%Return on equity (ROE)
  • 2.59%Retained earnings to average equity (YTD only)
  • 1.29%Net charge-offs to loans
  • 89.38%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 78,863Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.35%Loss allowance to noncurrent loans
  • 41.05%Noncurrent assets plus other real estate owned to assets
  • 5.60%Noncurrent loans to loans
  • 5.72%Net loans and leases to deposits
  • 73.36%Net loans and leases to core deposits
  • 74.50%Equity capital to assets
  • 10.75%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 13.72%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $466,193Average earning assets
  • $48,090Average equity
  • $404,985Average loans

List of branches

  • 12 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016311Plumas Bank336 West Main Street, Quincy, CA 95971December 13, 1980Full Service Brick and Mortar
    1256114Portola Branch120 North Pine Street, Portola, CA 96122December 19, 1981Full Service Brick and Mortar
    2256115Greenville Branch121 Crescent Street, Greenville, CA 95947June 18, 1984Full Service Brick and Mortar
    716040Susanville Branch3000 Riverside Drive, Susanville, CA 96130August 23, 1979Full Service Brick and Mortar
    9256119Alturas Branch510 North Main Street, Alturas, CA 96101December 12, 1994Full Service Brick and Mortar
    11197593Chester Branch225 Main Street, Chester, CA 96020November 07, 1955Full Service Brick and Mortar
    12197680Fall River Mills Branch43163 Highway 299 East, Fall River Mills, CA 96028November 03, 1930Full Service Brick and Mortar
    13359407Truckee Branch11638 Donner Pass Road, Truckee, CA 96161Febuary 12, 2001Full Service Brick and Mortar
    14361938Quincy Administrative Branch35 S. Lindan Avenue, Quincy, CA 95971May 13, 1995Limited Service Administrative
    15424228Tahoe City Branch243 N. Lake Boulevard, Tahoe City, CA 96145November 12, 2003Full Service Brick and Mortar
    16279884Kings Beach Branch8475 N Lake Blvd, Kings Beach, CA 96143January 01, 1946Full Service Brick and Mortar
    21463476Redding Branch2175 Civic Center Drive, Redding, CA 96001June 01, 2007Full Service Brick and Mortar

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