Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (January 2019)
21 slides from Plumas Bancorp's investor presentation, Jan 28, 2019
Slide 1: Plumas Bancorp 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 NASDAQ Symbol: PLBC Total Assets: $824 million Headquartered: Quincy, CA Bank Branches: 13 Year Established: 1980 PLUMAS: Ste
Slide 5: Management Team
PUMA Management Team ‘Andrew Ryback Richard Belstock B,J. North i. da di it President & CEO EVP & chief Financial Officer EVP & Chief Banking Officer Years.at PlumasBank-17 Years at Plumas Bank-12 _Yearsat Plumas Bank- 10 Kerry Wilson ‘Aaron Boigon Jeff Moore EVP & Chief Credit Officer EVP & Chief I
Slide 6: The Big Picture
The Big Picture
Slide 7: Net Income
Net Income $220 s3a000 id ee: i
Slide 8: Non-Interest Income streams
» Non-Interest Income streams comprised primarily of: * Service Charges on Deposit Accounts * Interchange Revenue * Gains on Sale of SBA Loans + Loan Servicing Fees MUN Ere NON-INTEREST INCOME $3000 som I i A | i
Slide 9: Return on Bank's Average Common Equity
Return on Bank’s Average Common Equity soo oe 2018p Ae isasots078 Pumassark —casnksss00 318
Slide 10: Stock Price to Earnings per Share
‘Stock Price to Earnings per Share apo apo aps ‘apsy017 ps8 —Pomertoncop esate 000518
Slide 11: Deposits and Loans
Deposits and Loans Ssususssuunnnnnnnnnnnnnnnnnnttettttnnttrnttn
Slide 12: Deposit Trends and Current Composition
ehELELGQE AS! BANCORP Deposit Trends and Current Composition RECORD LEVEL OF DEPOSITS ALL CORE, NO BROKERED DEPOSITS AVERAGE INTEREST BEARING DEPOSITS RATE IS 0.18%
Slide 13: Loan Trends and Current Composition
AS! BANCORP Loan Trends and Current Composition DIVERSIFIED, GROWING LOAN PORTFOLIO 75% OF PORTFOLIO BALANCE IS VARIABLE RATE RECORD LEVEL OF LOAN BALANCES. PORTFOLIO AVERAGE YIELD 5.74%
Slide 14: Diversification of Commercial Real Estate Loans by Property Type
Diversification of Commercial PBANCORP Real Estate Loans by Property Type Eeennn- LOL POP LS Pp ttt lp px COPE OPES EEE Ef CLES * Oe MS FS o oe &
Slide 15: Geographic Distribution of Commercial Real Estate Loans
>LUMAS:! P Geographic Distribution of SCORE Commercial Real Estate Loans CALIFORNIA ECONOMIC REGIONS CRE DISTRIBUTION BY REGION 2296- Northern California (dark green) 22%6- Northern Sacramento Valley (light green) 19%6-Northern Nevada 11596 Greater Sacramento (yellow) 110%4-Bay Area pink) 5%- Southe
Slide 16: Financial Recap
AS! BANCORP * Financial Highlights * SBA Lending * Recent Expansion Financial Recap
Slide 17: 2018 Financial Highlights
2018 Financial Highlights Assets 745,427 Deposits 662,657 Loans 486,634 ae ; i alia Net Interest Income 27,936 Net Interest Margin 4.35% ROAA 83% 1.18% ROAE 23.3% 15.4% Book ValueperShare $ 1303 $ 11.00 $ Diluted EPS. $ 2.68 $ 158 $
Slide 18: 2018 Financial Highlights - Five Year
PLUMAS: BANCORP 2018 Financial Highlights — Five Year Dollarsin thousands (Except per share) Assets $824,398 $ 745,427 $ 657,975 $599,286 $538,862 Deposits $726,565 $ 662,657 $ 582,353 $527,276 $467,891 Loans $566,199 $ 486,634 $ 461,123 $400,971 $370,390 Nonperforming assets/total assets 0.28% 0.59
Slide 19: SBA Lending
AS! BANCORP SBA Lending > Twelve person department headquartered out of Auburn California. > Most loans are 75% guaranteed by the Federal Government. > Loans are variable rate tied to Prime. > Guaranteed portion sold into the secondary market and serviced by Plumas Bank. > Unguaranteed portion retai
Slide 20: Recent Expansion Strategy
ms fein trie, anne Sumit Recent Expansion Strategy PLUMAS: Dee | Apr ‘16 Opened LPO in: Klamath Falls, OR Jul'15 Purchased Rabo 18 Es 20 in Red Bluff ee inRed Bluff |S 7, | May ‘44 Opened |S LPOzin Chico Jun ‘07 Opened SBALPO in Aubin \ J Dec ‘1$ Opened Reno Branch - i) = | Mutual of Qmatia Bank's C
Slide 21: Challenges and Strengths
Challenges * Maintaining and Growing Low Cost Deposit Balances * Director and Management Succession + Cybersecurity PLUMAS Dee Strengths Stable Management Team Strong Core Deposits °Diversified Loan Portfolio Strong Net Interest Margin °Non-Interest Income Streams Capital Management
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