Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (January 2017)
22 slides from Plumas Bancorp's investor presentation, Jan 31, 2017
Slide 1: Investor Presentation
eeseege: PLUMAS | ~ “BANCORP 4 oe INVESTOR PRESENTATION if.
Slide 2: Forward Looking Statements Disclaimer
PLUMAS: BANCORP Forward Looking Statements Disclaimer Forward-looking statements are based on management's knowledge and belief as of today and include information concerning Plumas Bancorp's possible or assumed future financial condition, and its results of operations, business and earnings outlook
Slide 3: PLUMAS:
PLUMAS: AS »
Slide 4: Overview
Overview NASDAQSymbol: PLBC TotalAssets: $650 million Headquartered: Quincy, CA BankBranches: 12 Year Established: 1980 PLUMAS: BANCORP
Slide 5: Slide 5
Slide 6: Management Team
PUMA Management Team ‘Andrew Ryback H President & CEO Yearsat Plumas Bank~ 15 Kerry Wilson + EVP Chief Credit Officer & Agriculture Lending Yeats at Plumas- 19 B.J. North EVP Retail Banking & Commercial Lending Yearsat Plumas-8 Richard Belstock ny vi . ¢ EVP Chief Financial Officer Years at Plumas B
Slide 7: The Big Picture
The Big Picture
Slide 8: Net Income
Net Income i
Slide 9: Non-Interest Income
* Non-Interest Income streams comprised primarily of: « Service Charges on Deposit Accounts © Gains of Sale of SBALoans * Loan Servicing Fees MUN Ere ‘000 NON-INTEREST INCOME abit
Slide 10: Return on Average Common Equity
Return on Average Common Equity os ThrouarOne
Slide 11: Stock Price to Diluted EPS
Stock Price to Diluted EPS nino "aos saowe ms fone
Slide 12: Deposits and Loans
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Slide 13: Deposit Trends and Current Composition
AS! BANCORP Deposit Trends and Current Composition RECORD LEVEL OF DEPOSITS ALL CORE, NO BROKERED DEPOSITS AVERAGE INTEREST BEARING DEPOSITS RATE IS 0.16%
Slide 14: Loan Trends and Current Composition
AS! BANCORP Loan Trends and Current Composition RECORD LEVEL OF LOAN BALANCES: DIVERSIFIED, GROWING LOAN PORTFOLIO PORTFOLIO AVERAGE YIELD 5.35% OVER 70% OF PORTFOLIO BALANCE IS VARIABLE RATE
Slide 15: Diversification of Commercial Real Estate Loans by Property Type
Diversification of Commercial PBANCORP Real Estate Loans by Property Type - > ra oe e Jt a a Me & OE e Ao eA CALLE Of fO FE VP?
Slide 16: Geographic Distribution of Commercial Real Estate Loans
PLUMAS: Geographic Distribution of SCORE Commercial Real Estate Loans CALIFORNIA ECONOMIC REGIONS CRE DISTRIBUTION BY REGION 28%-Northern California 119%6-Northern Sacramento Valley 117%-Northern Nevada 11596-Greater Sacramento 10%-Bay Area 5%- Southern California 2%- Central Coast 2%- San Joaquin V
Slide 17: Financial Recap
AS! BANCORP * Debt & Capital Planning * Asset Quality * Recent Expansion Financial Recap
Slide 18: Utilization of Debt Instruments
Utilization of Debt Instruments Subordinated Debentures $ 7,295 Note Payable 3,000 Trust Preferred Securities 10,310 Total $ 20,605 $ 7,454 $ 1,000 4,875 2,375 10,310 10,310 10,310 $ 18,764 $ 15,185 $ 12,685
Slide 19: Improvements in Asset Quality
PLUMAS BANCORP Improvements in Asset Quality Nonperforming Loans 7 OREO/OVO Nonperforming Assets Nonperforming Loans to Loans A Zz Nonperforming Assets to Assets he Classified Loans. eater ver canyon Classified Assets Net Loan Charge-Offs gat
Slide 20: 2016 Financial Highlights
2016 Financial Highlights Assets Deposits Loans Net Income Net Interest Income ROAA ROAE Diluted EPS $ $ $ $ $ 599,286 527,276 400,971 5,818 21,411 $ 657,975 $ 582,353 $ 461,123 $7,474 $ 24,078
Slide 21: Recent Expansion Strategy
fein trie, anne Sumit Recent Expansion Strategy PLUMAS Dee ‘Mar ‘16 Opened | Apr‘16 Opened LPO in NX Falls: \ ‘SBA LPO.in Seatt \ Dec ‘15 Opened jun ‘07, Opene x BA LPQ in Auburn: Qyssale
Slide 22: Strengths and Challenges
7 Strengths — Stable Management Team Strong Core Deposits °Diversified Loan Portfolio Challenges . + Loan Pricing Discipline Strong Net Interest Margin g Resulations mpactig °Non-Interest Income Streams Consumer Lending . + Cybersecurity Capital and Debt Management PLUMAS Dee
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