Plumas bancorp (PLBC)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Cash Flows from Operating Activities:
Net income

15,512

13,992

8,189

7,474

5,818

4,738

3,431

1,950

941

971

-9,146

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for Loan Losses

1,500

1,000

600

800

1,100

1,100

1,400

2,350

3,500

5,500

14,500

Change in deferred loan origination costs/fees, net

684

1,581

754

491

350

752

667

629

441

79

19

Depreciation and amortization

1,391

1,042

1,026

1,076

1,151

1,306

1,408

1,354

1,409

1,693

1,929

Stock-based compensation expense

224

199

152

116

70

81

38

95

-29

57

256

Amortization of investment security premiums

802

691

615

650

506

487

445

525

410

514

-

Accretion of investment security discounts

-

-

-

-

-

8

-6

5

32

-

-

Amortization of investment security premiums

-

-

-

-

-

-

-

-

-

-

283

Accretion of investment security discounts

-

-

-

-

-

-

-

-

-

55

53

(Gain) loss on sale of investment securities

114

-8

-158

-32

21

128

-

403

666

1,160

10

Gain on equity securities with no readily determinable fair value

-

209

-

-

-

-

-

-

-

-

-

Provision for losses on other real estate

-

-

-

-

-

-

-

907

579

356

-

Provision for losses on other real estate

-

-

-

-

-

-

-

-

-

-

4,800

Proceeds from secured borrowing

-

-

-

-

-

-

-

-

-

4,284

-

Net (gain) loss on sale of premises and equipment

-

-

-

-

-

-

-

-

-

-

6

Gain on sale of OREO and other vehicles

-

-

-

-

-

-

-

-9

-611

58

-198

Gain on sale of loans held for sale

867

1,903

2,039

1,770

1,942

1,396

1,399

1,324

1,939

1,055

593

Loans originated for sale

20,416

38,914

31,348

30,368

26,699

22,063

17,609

21,154

18,550

21,286

12,598

Loans originated for sale

20,416

38,914

31,348

30,368

26,699

-

17,609

21,154

18,550

21,286

12,598

Proceeds from loan sales

19,457

41,748

36,583

30,727

29,430

21,592

21,733

20,084

23,368

14,873

11,393

Provision from change in OREO valuation

40

155

124

37

79

240

486

-

-

-

-

Net gain on sale of OREO

275

47

130

60

198

101

171

-

-

-

-

Net gain on sale of other vehicles owned

5

24

10

36

78

59

12

-

-

-

-

Earnings on bank-owned life insurance

328

328

338

341

342

341

344

345

352

351

-

(Benefit) provision for deferred income taxes

-166

360

503

-660

-539

-

-

-

-

-

-

(Benefit) provision for deferred income taxes

-

-

-

-

-

1,165

2,085

1,042

259

385

-3,852

Increase in accrued interest receivable and other assets

100

1,397

513

-975

1,298

620

-613

-632

-

-

-

Increase in accrued interest payable and other liabilities

-494

847

-1,340

738

540

104

-724

717

-

-

-

Net cash provided by operating activities

15,477

15,639

11,478

8,899

7,227

-

-

-

10,086

10,115

70

Cash Flows from Investing Activities:
Earnings on bank-owned life insurance

-

-

-

-

-

-

-

-

-

-

346

(Increase) decrease in accrued interest receivable and other assets

-

-

-

-

-

-

-

-

-1,575

-5,325

7,021

Increase (decrease) in accrued interest payable and other liabilities

-

-

-

-

-

-

-

-

-557

-201

355

Net cash provided by operating activities

-

-

-

-

-

5,345

10,707

5,805

-

-

-

Proceeds from principal repayments from available-for-sale government-sponsored mortgage-backed securities

25,257

15,324

12,702

13,905

12,015

9,692

8,376

8,390

-

-

-

Proceeds from matured and called available-for-sale securities

200

-

-

4,000

3,499

16,044

14,000

23,179

29,182

-

-

Proceeds from sale of available-for-sale securities

19,668

4,157

9,594

14,589

12,260

16,325

-

20,773

-

-

-

Proceeds from matured and called available-for-sale investment securities

-

-

-

-

-

-

-

-

-

31,895

8,000

Purchases of held-to-maturity investment securities

-

-

-

-

-

-

-

-

-

-

1,586

Proceeds from principal repayments from available-for-sale government-sponsored mortgage-backed securities

-

-

-

-

-

-

-

-

6,406

8,927

7,320

Proceeds from matured and called held-to-maturity investment securities

-

-

-

-

-

-

-

-

-

-

1,836

Proceeds from sale of held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

943

Proceeds from sale of available-for-sale securities

-

-

-

-

-

-

-

-

29,404

40,902

86

Purchases of available-for-sale securities

27,801

56,265

58,094

39,643

34,609

40,511

34,734

75,214

59,247

57,238

65,876

Net increase in loans

53,477

82,412

30,962

-

-

-

-

-

-

-

-

Net increase in loans

-

-

-

60,619

32,777

31,733

31,864

23,734

-3,386

-16,623

-8,683

Proceeds from bank owned life insurance

-

338

-

-

-

-

-

-

-

-

-

Proceeds from sale of other real estate

-

-

-

-

-

-

-

-

-

3,462

-

Proceeds from sale of other real estate

-

-

-

-

-

-

-

-

-

-

1,992

Proceeds from sale of other vehicles

636

473

313

331

445

318

148

81

33

177

270

Proceeds from sale of other real estate

698

723

689

2,245

2,281

3,399

2,404

3,714

4,937

-

-

Purchases of FHLB stock

490

342

247

-

-

-

-

-

-

-

-

Proceeds from sale of premises and equipment

-

-

-

42

1,032

0

-

-

-

-

-

Purchase of premises and equipment

1,397

3,866

531

600

2,645

225

352

915

271

1,210

253

Net cash used in investing activities

-

-

-

-

-38,499

-26,691

-42,022

-

-

-

-

Net cash used in investing activities

-36,706

-121,870

-66,536

-65,750

-

-

-

-43,726

13,830

43,538

-38,585

Cash Flows from Financing Activities:
Net increase in demand, interest bearing and savings deposits

39,531

52,982

83,866

57,738

63,464

24,793

45,770

30,221

-

-

-

Net increase in demand, interest-bearing and savings deposits

39,531

52,982

83,866

57,738

63,464

-

45,770

30,221

-

-

-

Net increase in demand, interest bearing and savings deposits

-

-

-

-

-

-

-

-

3,534

3,353

-37,383

Net decrease in time deposits

-18,772

10,926

-3,562

-2,661

-4,079

-6,341

-7,893

-9,799

-37,281

-5,015

24,379

Net decrease in securities sold under agreements to repurchase

2,955

2,984

3,157

-124

-1,955

517

1,732

-902

8,279

-

-

Issuance of subordinated debenture, net of discount

-

-

-

-

-

-

7,182

-

-

-

-

Redemption of subordinated debenture

-

-

-

-

7,500

0

-

-

-

-

-

Cash dividends paid on common stock

2,373

1,842

1,398

489

0

0

-

-

-

-

-

Increase in note payable

-

-

-

-

4,000

0

-

-

-

-

-

Issuance of common stock warrant

-

-

-

-

-

-

318

-

-

-

407

Borrowing on note payable

-

-

-

-

-

-

3,000

-

-

-

-

Principal payment on note payable

-

-

2,375

2,500

125

2,000

-

-

-

-

-

Repurchase of common stock warrant

-

-

-

862

0

0

234

-

-

-

-

Redemption of preferred stock

-

-

-

-

-

-

11,384

-

-

-

-

Net decrease in short-term borrowings

-

-

-

-

-

-

-

-

-

-20,000

-14,000

Proceeds from long-term debt

-

-

-

-

-

-

-

-

-

-

20,000

Repayment of long-term debt

-

-

-

-

-

-

-

-

-

20,000

-

Issuance of preferred stock, net of discount

-

-

-

-

-

-

-

-

-

-

11,516

Payment of cash dividend on preferred stock

-

-

-

-

-

-

1,968

-

-

150

473

Proceeds from exercise of stock options

144

330

261

200

88

34

34

-

-

-

5

Net cash provided by financing activities

-

-

-

-

-

17,003

36,557

-

-

-

-

Net cash provided by financing activities

21,485

65,380

79,949

51,302

53,893

-

-

19,520

-25,468

-48,518

79,217

Increase (decrease) in cash and cash equivalents

256

-40,851

24,891

-5,549

22,621

-4,343

5,242

-18,401

-1,552

5,135

40,702

Supplemental Disclosure of Cash Flow Information:
Interest expense

1,739

1,212

1,012

1,022

1,172

-

-

-

-

-

-

Interest expense

-

-

-

-

-

1,560

2,438

942

1,688

3,000

3,666

Income taxes

6,019

4,506

7,175

5,206

4,405

1,916

30

2

2

-

65

Non-Cash Investing Activities:
Real estate and vehicles acquired through foreclosure

-

-

-

-

-

-

3,824

1,208

5,710

1,391

-

Vehicles acquired through repossession

635

466

325

277

382

211

155

65

79

112

245

Vehicles acquired through repossession

635

466

325

277

382

-

155

65

79

112

245

Loans provided for sales of real estate owned

-

-

480

2,073

593

95

40

-

-

-

-

Non-Cash Financing Activities:
Common stock retired in connection with the exercise of stock options

42

29

10

-

0

-

-

-

-

-

-

Common stock issued in connection with the cashless exercise of stock warrant

-

-

787

-

0

-

-

-

-

-

-

Investment securities transferred from held-to-maturity to available-for-sale

-

-

-

-

-

-

-

-

-

-

11,722