For the year ending 2025-12-31, PLBC had -$1,402K decrease in cash & cash equivalents over the period. $20,276K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Dividends declared by bank subsidiary | 26,000 |
| Gain on termination of swaps | 0 |
| Earnings from investment in plumas statutory trust i and ii | 0 |
| Total income | 26,000 |
| Interest on junior subordinated deferrable interest debentures | 0 |
| Interest on borrowings | 1,012 |
| Other expenses | 595 |
| Total expenses | 1,607 |
| Income before equity in undistributed income of bank subsidiary | 24,393 |
| Equity in undistributed income of bank subsidiary | 4,708 |
| Income before income taxes | 29,101 |
| Income tax (expense) benefit | -516 |
| Net income | 29,617 |
| Provision for credit losses | 6,850 |
| Provision for other real estate owned (oreo) losses | 0 |
| Change in deferred loan origination costs/fees, net | 590 |
| Stock-based compensation expense | 343 |
| Depreciation of premises and equipment and amortization of intangibles | 2,835 |
| Amortization of investment security premiums | 718 |
| Accretion of discounts on investments | 1,928 |
| Net loss on sale of investment securities | -5,811 |
| Accretion of premium on time deposits | -655 |
| Amortization of discount on subordinated debentures | 142 |
| Accretion of discount on loans | -1,100 |
| Gain on sale of loans held for sale | 0 |
| Loans originated for sale | 0 |
| Proceeds from loan sales | 0 |
| Net gain on sale of oreo | 0 |
| Net loss on sale of other vehicles owned | -47 |
| Earnings on bank owned life insurance policies | 741 |
| Gain on sale of buildings | 5,540 |
| Deferred income tax expense (benefit) | 2,269 |
| Purchase of green-energy transferable tax credit | 9,300 |
| (increase) decrease in accrued interest receivable and other assets | 5,285 |
| (decrease) increase in accrued interest payable and other liabilities | -1,906 |
| Net cash provided by operating activities | 21,587 |
| Proceeds from matured and called available-for-sale investment securities | 1,310 |
| Proceeds from sale of available-for-sale securities | 130,635 |
| Purchases of available-for-sale investment securities | 122,866 |
| Proceeds from principal repayments from available-for-sale government-guaranteed mortgage-backed securities | 56,077 |
| Net increase in loans | 33,574 |
| Cash acquired in acquisition, net of consideration paid | -35,777 |
| Proceeds from sale of vehicles | 305 |
| Proceeds from sale of other real estate | 22 |
| Purchases of federal home loan bank stock | 0 |
| Purchase of federal reserve bank stock | 1,407 |
| Proceeds from bank owned life insurance | 0 |
| Proceeds from sale of buildings | 5,350 |
| Purchases of premises and equipment | 1,311 |
| Net cash provided by (used in) investing activities | 70,318 |
| Net (decrease) increase in demand, interest-bearing and savings deposits | -122,680 |
| Net (decrease) increase in time deposits | -19,044 |
| Net increase (decrease) in securities sold under agreements to repurchase | 75,782 |
| Cash dividends paid on common stock | 7,720 |
| Repayments on other borrowings | 20,750 |
| Redemption of trust preferred securities | 0 |
| Increase in other borrowings | 0 |
| Proceeds from exercise of stock options | 1,105 |
| Net cash used in provided by financing activities | -93,307 |
| Decrease in cash and cash equivalents | -1,402 |
| Cash and cash equivalents at beginning of year | 82,018 |
| Cash and cash equivalents at end of year | 80,616 |
PLUMAS BANCORP (PLBC)
PLUMAS BANCORP (PLBC)