For the quarter ending 2025-09-30, PLBC had $8,013K increase in cash & cash equivalents over the period. $4,803K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,145 | 13,501 |
| Provision for (recovery of) credit losses | 5,373 | 1,110 |
| Provision for other real estate owned (oreo) losses | 27 | - |
| Change in deferred loan origination costs/fees, net | 250 | 89 |
| Depreciation of premises and equipment and amortization of intangibles | 1,064 | 722 |
| Stock-based compensation expense | 93 | 177 |
| Net loss on sale of investment securities | -374 | 3 |
| Amortization of discount on subordinated debentures | 84 | - |
| Accretion of premium on time deposits | -651 | - |
| Amortization of investment security premiums | 181 | 357 |
| Accretion of investment security discounts | 342 | 608 |
| Accretion of discount on loans | -455 | - |
| Loss on sale of other vehicles | -25 | -18 |
| Gain on sale of loans held for sale | 0 | 0 |
| Loans originated for sale | 790 | 75 |
| Proceeds from loan sales | 0 | 0 |
| Earnings on bank-owned life insurance | 261 | 217 |
| Gain on sale of buildings | 0 | 0 |
| Increase in accrued interest receivable and other assets | -481 | 7,027 |
| (decrease) increase in accrued interest payable and other liabilities | -4,494 | 1,702 |
| Net cash provided by operating activities | 5,604 | 9,568 |
| Proceeds from principal repayments from available-for-sale securities | 12,326 | 19,439 |
| Proceeds from sale of available-for-sale securities | 86,887 | 1,122 |
| Proceeds from matured and called available-for-sale securities | 215 | 655 |
| Purchases of available-for-sale securities | 50,894 | 16,560 |
| Purchase of federal reserve bank stock | 994 | 4 |
| Net increase in loans | 14,809 | 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 | 32 | 234 |
| Proceeds from the sale of buildings | 0 | 0 |
| Purchase of premises and equipment | 801 | 204 |
| Net cash provided by investing activities | 67,739 | 2,053 |
| Net (decrease) increase in demand, interest bearing and savings deposits | -79,738 | -36,870 |
| Net (decrease) increase in time deposits | -47,784 | 32,596 |
| Net increase (decrease) in securities sold under agreements to repurchase | 78,923 | -7,133 |
| Cash dividends paid on common stock | 2,084 | 3,549 |
| Increase in other borrowings | 0 | 0 |
| Decrease in other borrowings | 15,000 | - |
| Cash received from option exercises | 353 | 583 |
| Net cash used in financing activities | -65,330 | -14,373 |
| Increase in cash and cash equivalents | 8,013 | -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)