Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (October 2020)
27 slides from Plumas Bancorp's investor presentation, Oct 27, 2020
Slide 1: Investor Presentation, Updated Through September 30, 2020
INVESTOR PRESENTATION UPDATED THROUGH SEPTEMBER 30, 2020
Slide 2: Forward Looking Statements Disclaimer
PS Ee 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. These fo
Slide 3: Slide 3
Slide 4: Overview
Overview NASDAQ Symbol: PLBC Total Assets: $1.1 billion Headquartered: Quincy, CA Bank Branches: 13 Year Established: 1980 PLUMAS: MA
Slide 5: Management Team
‘Andrew Ryback Richard Belstock ~~ President & CEO. EVP Chief Financial Officer Years.at Plumas Bank -19 Yearsat Plumas Bank-14 BJ. North ‘Aaron Boigon Jeff Moore EVP Chief Banking Officer EVP Chief Information Officer ___EVP Chief Credit Officer YearsatPlumasBank-12 _Yearsat Plumas Bank -7 Years at
Slide 6: Business Model
me Business Model Branch network of 13 full-service branches and 3 lending offices. + Predominant focus on personal service with a wide range of deposit products forthe retail and ‘commercial markets. * Reduced costs by increasing mobile ‘and online banking services. Lending services include: ‘Busin
Slide 7: The Big Picture
The Big Picture
Slide 8: Net Income
Net Income
Slide 9: Non-Interest Income
Non-Interest Income = ; = ‘soo 51056 “| -3 e =e a molZ] | : ee _e_ we = ~ 2 ; “schon pst Acs erchne Reveuc Gain on Sole of S8A7s tonne Hom ces Other ome
Slide 10: Return on Bank's Equity
Return on Bank’s Equity Pumastark —casnksss00 318
Slide 11: Stock Price to Earnings per Share
Stock Price to Earnings per Share ramen — chemise ia roe Eg ro ns
Slide 12: Deposits and Loans
Deposits and Loans Scenes
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 0.15% Balances asst 30,2020
Slide 14: Loan Trends and Current Composition
AS! BANCORP Loan Trends and Current Composition DIVERSIFIED, GROWING LOAN PORTFOLIO RECORD LEVEL OF LOAN BALANCES. 63% OF PORTFOLIO BALANCE IS VARIABLE RATE PORTFOLIO AVERAGE YIELD 4.81% OF WHICH 40% ARE AT A FLOOR RATE. lances arose 30,2020,
Slide 15: Diversification of Commercial Real Estate Loans by Property Type
Diversification of Commercial PUNSANCORP Real Estate Loans by Property Type an ee 5 AR 2 eo ee os é te oF A of sf oe “ eo ff fe gt 4s “Ye ee Y é f (See se sons oom circa
Slide 16: Diversification of Real Estate Construction Loans by Property Type
Diversification of Real Estate Construction Loans by Property Type
Slide 17: Geographic Distribution of Commercial Real Estate Loans
nn PLUMAS Geographic Distribution of LEGO Commercial Real Estate Loans CALIFORNIA AND NEVADA ECONOMIC REGIONS —_CRE DISTRIBUTION BY REGION 27% -NV- Westem (gale green)
Slide 18: Payroll Protection Program Loans
PLUMAS: BANCORP Payroll Protection Program Loans ° Total PPP loans - $119 million * Average balance - $118 thousand * Fees collected from the SBA - $5.0 million ° Balance of unearned fees - $4.0 million * Balance with a two-year maturity - $115 million * Balance with a five-year maturity - $4 millio
Slide 19: Indirect Automobile Loans
AS! BANCORP Indirect Automobile Loans * Total Automobile loans - $92 million BALANCE BY LOAN * Based on number of loans, at origination approximately TYPE half were new vehicles and half used vehicles. New vehicle = Used vehicle * Average balance - $25 thousand * Average term at origination - 6.4 ye
Slide 20: Loans with Payment Deferrals
PLUMAS: BANCORP. Loans with Payment Deferrals (in thousands) At September 30, 2020 there were 251 loans on deferral totaling $66 million Month Payments Resume October November December Other $s 47 4 i 3 02: onder Root i 313 1,192) 32 - 5 $47,973 $ 5,023 $ 1,916 $ 10,998 $65,910]
Slide 21: Financial Recap
AS! BANCORP Financial Recap
Slide 22: 2019 Financial Highlights
2019 Financial Highlights retin. Dollars in thousands (Except per share) 12/31/2019 12/31/2018 Assets 865,191 Deposits 787,328 Loans Net income Income Before Tax Net Interest Income Net Interest Margin ROAA ROAE Book Value per Share Diluted EPS PLUMAS: BANCORP Change % Change 40,7: 20,759
Slide 23: 2019 Financial Highlights — Five Year
2019 Financial Highlights — Five Year Dollarsin thousands (Except per share) ‘Assets Deposits Loans Nonperforming assets/total Net Income Book Value per Share Diluted EPS 32/31/19 $865,191 $747,324 $619,718 0.33% 5522 4.75% 49.9% 1.82% PLUMAS: BANCORP. 1231s 12/31/17 12/31/16 12/31/15 $657,975 0.28%
Slide 24: Third Quarter 2020 Financial Highlights
PLUMAS: Third Quarter 2020 Financial Highlights Dollarsin thousands (Except EPS) 9/30/2020 9/30/2019 Change 9% Change BANCORP. er 115,949 $227,398 2636 $201,346 Loans $ $ 146,129 1 Net Income E Net Interest Income Net Interest Margin aay ROAA ROAE Diluted EPS
Slide 25: Recent Expansion Strategy
Pa. : rain i te Z fein trie, anne Sumit Recent Expansion Strategy PLUMAS eo
Slide 26: Strengths and Challenges
*Stable Management Team SSS Strengths AS a aS Strong Core Deposits chalenees *Diversified Loan Portfolio te ee ee °Strong Net Interest Margin * Margin Compression eNon-Interest Income Streams pe *Capital Management » Cybersecurity PLUMA: Si BANCORP
Slide 27: Awards and Recognition
+ Bankers Cup — Recognizing the top 10% of Community Banks 2° Best Performing Community Bank in the Nation 2018-2019 5 Best Performing Community Bank in the Nation 2017 leu ade wa ats between $50 milo nd $10 le) By Roymand ames & Asoctes ¢¢sm-All stars List of Top 30 Banks & Thrifts 2018-2019 Ibubli
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