| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 18,646 | 13,501 |
| Provision for (recovery of) credit losses | 6,483 | 1,110 |
| Provision for other real estate owned (oreo) losses | 27 | - |
| Change in deferred loan origination costs/fees, net | 339 | 89 |
| Depreciation of premises and equipment and amortization of intangibles | 1,786 | 722 |
| Stock-based compensation expense | 270 | 177 |
| Net loss on sale of investment securities | -371 | 3 |
| Amortization of discount on subordinated debentures | 84 | - |
| Accretion of premium on time deposits | -651 | - |
| Amortization of investment security premiums | 538 | 357 |
| Accretion of investment security discounts | 950 | 608 |
| Accretion of discount on loans | -455 | - |
| Loss on sale of other vehicles | -43 | -18 |
| Gain on sale of loans held for sale | 0 | 0 |
| Loans originated for sale | 865 | 75 |
| Proceeds from loan sales | 0 | 0 |
| Earnings on bank-owned life insurance | 478 | 217 |
| Gain on sale of buildings | 0 | 0 |
| Increase in accrued interest receivable and other assets | 6,546 | 7,027 |
| (decrease) increase in accrued interest payable and other liabilities | -2,792 | 1,702 |
| Net cash provided by operating activities | 15,172 | 9,568 |
| Proceeds from principal repayments from available-for-sale securities | 31,765 | 19,439 |
| Proceeds from sale of available-for-sale securities | 88,009 | 1,122 |
| Proceeds from matured and called available-for-sale securities | 870 | 655 |
| Purchases of available-for-sale securities | 67,454 | 16,560 |
| Purchase of federal reserve bank stock | 998 | 4 |
| Net increase in loans | 17,438 | 2,629 |
| Cash acquired in acquisition, net of consideration paid | -35,777 | - |
| Proceeds from the sale of oreo | 0 | 0 |
| Proceeds from sale of other vehicles | 266 | 234 |
| Proceeds from the sale of buildings | 0 | 0 |
| Purchase of premises and equipment | 1,005 | 204 |
| Net cash provided by investing activities | 69,792 | 2,053 |
| Net (decrease) increase in demand, interest bearing and savings deposits | -116,608 | -36,870 |
| Net (decrease) increase in time deposits | -15,188 | 32,596 |
| Net increase (decrease) in securities sold under agreements to repurchase | 71,790 | -7,133 |
| Cash dividends paid on common stock | 5,633 | 3,549 |
| Increase in other borrowings | 0 | 0 |
| Decrease in other borrowings | 15,000 | - |
| Cash received from option exercises | 936 | 583 |
| Net cash used in financing activities | -79,703 | -14,373 |
| Increase in cash and cash equivalents | 5,261 | -2,752 |
| Cash and cash equivalents at beginning of period | 82,018 | - |
| Cash and cash equivalents at end of period | 87,279 | - |
PLUMAS BANCORP (PLBC)
PLUMAS BANCORP (PLBC)