Plumas Bank

Plumas Bank is headquartered in Quincy and is the 88^th largest bank in the state of California. It is also the 1,451^st largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 141 employees at 12 locations. Plumas Bank has a 3-star health rating.

Plumas Bank Routing Number: 121138288

Data for Q1 2012

Institution Statistics Plumas Bank FDIC Certificate # 23275 BankRate Report View Year Established 1980 Employees 141 Primary Regulator FDIC Assets and Liabilities Assets $459.06 million Loans $287.51 million Deposits $399.22 million Equity Capital $49.23 million Loan Loss Allowance $6.72 million Unbacked Noncurrent Loans $12.45 million Real Estate Owned $7.97 million Historic Data - March 2011 Assets $468.77 million Equity Capital $47.53 million Loan Loss Allowance $8.76 million Unbacked Noncurrent Loans $23.58 million Real Estate Owned $9.07 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 0.26% Return on Equity 2.46% Interest Income $4.45 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Plumas Bank had $20.42 million in non-current loans and owned real-estate with $55.95 million in equity and loan loss allowances on hand to cover it. This gives Plumas Bank a Texas Ratio of 36.50% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Plumas Bank decreased slightly from 53.33% as of March 31, 2011 to 36.50% as of March 31, 2012, resulting in a positive change of 31.56%.This indicates that the balance sheet and financial strength for Plumas Bank has improved slightly in recent periods. Deposit Growth In the past year, Plumas Bank has decreased its total deposits by -$16.47 million, resulting in -3.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Plumas Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Plumas Bank has $459.06 million in assets with $55.95 million in equity, resulting in a capitalization level of 12.19%, which is excellent.

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