Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (January 2018)
20 slides from Plumas Bancorp's investor presentation, Jan 29, 2018
Slide 1: Plumas Bancorp Investor Presentation
Lia elt PLUM fy ‘| BAN ORP 4 » INVESTOR PRESENTATION
Slide 2: Forward Looking Statements Disclaimer
PO ar 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: Who We Are
ue Who We Are PLUMAS: BANCORP
Slide 4: Overview
Plumes tankAdnintraton Balin Cy Overview NASDAQ Symbol: PLBC TotalAssets: $745 million Headquartered: Quincy, CA BankBranches: 12 Year Established: 1980 PLUMAS: BANCORP
Slide 5: Management Team
‘Andrew Ryback President & CEO ‘Years at Plumas Bank~ 16 Be EVP Chief Credit Officer & ‘Agriculture Lending, Years at Plumas Bank - 20 BJ. North e\ EVP Chief Banking Officer Years at Plumas Bank -9 Richard Belstock ~< EVP Chief Financial Officer Yearsat Plumas Bank—11
Slide 6: The Big Picture
The Big Picture
Slide 7: Net Income
Slide 8: Non-Interest Income
NON-INTEREST INCOME g 3 nr _“ 1 sso * Non-Interest Income streams Gon comprised primarily of: —- -— — — — » Service Charges on Deposit oe 2 2. eS eS Accounts 4 tm i _ + Gains of Sale of SBALLoans = » Loan Servicing Fees OMEN a
Slide 9: Return on Average Common Equity
Return on Average Common Equity Pumsctank —ch bans ss000 58 per 9019/7
Slide 10: Stock Price to Earnings per Share
‘Stock Price to Earnings per Share us o ee, wanes mime yao snow ys
Slide 11: Deposits and Loans
Boo Deposits and Loans Sounununnnnnnnnnnnncectettttertte
Slide 12: Deposit Trends and Current Composition
MT Deposit Trends and Current Composition RECORD LEVEL OF DEPOSITS ‘ALL CORE, NO BROKERED DEPOSITS AVERAGE INTEREST BEARING DEPOSITS RATE IS 0.16%
Slide 13: Loan Trends and Current Composition
See Loan Trends and Current Composition DIVERSIFIED, GROWING LOAN PORTFOLIO RECORD LEVEL OF LOAN BALANCES. PORTFOLIO AVERAGE YIELD 5.47% 75% OF PORTFOLIO BALANCE IS VARIABLE RATE
Slide 14: Diversification of Commercial Real Estate Loans by Property Type
MT Diversification of Commercial Real Estate Loans by Property Type BEES se PIP CPSP ttt pte fpe OF eS Se ooo Fe 7 i ne 2 2 4
Slide 15: Geographic Distribution of Commercial Real Estate Loans
oo, PLUMAS Geographic Distribution of bee Commercial Real Estate Loans CALIFORNIA ECONOMIC REGIONS CRE DISTRIBUTION BY REGION 28% -Northern California 24% -Northern Sacramento Valley 16% -Northern Nevada 115% - Greater Sacramento 7%- Bay Area 696- Southern California 39%- Central Coast 296- San Joaq
Slide 16: Financial Recap
See * Financial Highlights * Deferred Tax Asset Revaluation Impact * Recent Expansion Meco Financial Recap
Slide 17: 2017 Financial Highlights
2017 Financial Highlights PLUMAS: MAE ee = es Assets $ 745,427 Deposits $ 662,657 Loans § 486,634 Net Income $ 8,189 Income before tax $ 15,505 Net Interest Income $27,936 Net Interest Margin 4.35% ROAA 1.18% ROAE 4s. Diluted EPS $ 657,975 $ 582,353 $ 461,123 $7,474 $ 12,233 $ 24,077 4.21% 1.20% 16.
Slide 18: 2017 Financial Highlights (excluding deferred tax asset revaluation)
PLUMAS: BANCORP 2017 Financial Highlights (excluding $1.4 million revaluation of deferred tax assets) Rr Net Income $ 747% $2,134 ‘Sa Income before tax , $ 12,233 $ 3,272 ResinwsessinesT : $ 24077 $ 3,859 Net Interest Margin 4.21% 0.14% ROAA 38% 1.20% 0.18% ROAE 3.0% 16.1% 1.9% Diluted EPS E 147 $ 0
Slide 19: Recent Expansion Strategy
Be ~ TR, ae stowed Dorner sat Recent Expansion Strategy IMAS! BANCORP Apr ‘£6 Opened LPO it May/14 Opened =~ , yy (PO in¢hico 15 Opened Hae : jeno.Branch Jun ‘07 Opened \ ‘SBA LPQ\in. Auburn’
Slide 20: Challenges and Strengths
——— steravater Challenges * Loan Pricing Discipline * Regulations Impacting Consumer Lending * Cybersecurity PLUMAS: BANCORP Strengths Stable Management Team Strong Core Deposits °Diversified Loan Portfolio Strong Net Interest Margin °Non-Interest Income Streams Capital Management
Plumas Bancorp — Investor Presentation (January 2018) on 6ix