0001193125-13-121172.txt : 20130322 0001193125-13-121172.hdr.sgml : 20130322 20130322093122 ACCESSION NUMBER: 0001193125-13-121172 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20121231 FILED AS OF DATE: 20130322 DATE AS OF CHANGE: 20130322 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PLUMAS BANCORP CENTRAL INDEX KEY: 0001168455 STANDARD INDUSTRIAL CLASSIFICATION: SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153] IRS NUMBER: 752987096 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-49883 FILM NUMBER: 13709373 BUSINESS ADDRESS: STREET 1: 35 S LINDEN AVENUE CITY: QUINCY STATE: CA ZIP: 95971 BUSINESS PHONE: 5302837305 10-K 1 d444947d10k.htm FORM 10-K FORM 10-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 10-K

 

 

 

x Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the fiscal year ended December 31, 2012

or

 

¨ Transaction report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Commission file number: 000-49883

 

 

PLUMAS BANCORP

(Exact name of Registrant as specified in its charter)

 

 

 

California   75-2987096

(State or other jurisdiction of

incorporation or organization)

 

(IRS Employer

Identification No.)

35 S. Lindan Avenue, Quincy, CA   95971
(Address of principal executive offices)   (Zip Code)

Registrant’s telephone number, including area code: (530) 283-7305

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class:

 

Name of Each Exchange on which Registered:

Common Stock, no par value   The NASDAQ Stock Market LLC

Securities registered pursuant to Section 12(g) of the Act: None.

 

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    ¨  Yes    x  No

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.    ¨  Yes    x  No

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    x  Yes    ¨  No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    x  Yes    ¨  No

Indicated by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of Registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this form 10-K.    x

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule12b-2 of the Exchange Act:

 

Large Accelerated Filer   ¨    Accelerated Filer   ¨
Non-Accelerated Filer   ¨    Smaller Reporting Company   x

Indicate by check mark if the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    ¨  Yes    x  No

As of June 30, 2012, the aggregate market value of the voting and non-voting common equity held by non-affiliates of the Registrant was approximately $13.3 million, based on the closing price reported to the Registrant on that date of $3.12 per share.

Shares of Common Stock held by each officer and director have been excluded in that such persons may be deemed to be affiliates. This determination of the affiliate status is not necessarily a conclusive determination for other purposes.

The number of shares of Common Stock of the registrant outstanding as of March 22, 2013 was 4,776,339.

Documents Incorporated by Reference: Portions of the definitive proxy statement for the 2013 Annual Meeting of Shareholders to be filed with the Securities and Exchange Commission pursuant to SEC Regulation 14A are incorporated by reference in Part III, Items 10-14.

 

 

 


Table of Contents

TABLE OF CONTENTS

 

     Page  
PART I   

Item 1. Business

     4   

Item 1A. Risk Factors

     19   

Item 1B. Unresolved Staff Comments

     19   

Item 2. Properties

     20   

Item 3. Legal Proceedings

     21   

Item 4. Mine Safety Disclosures

     21   
PART II   

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

     22   

Item 6. Selected Financial Data

     24   

Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations

     25   

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

     46   

Item 8. Financial Statements and Supplementary Data

     46   

Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

     47   

Item 9A. Controls and Procedures

     47   

Item 9B. Other Information

     48   
PART III   

Item 10. Directors, Executive Officers and Corporate Governance

     48   

Item 11. Executive Compensation

     48   

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

     48   

Item 13. Certain Relationships and Related Transactions, and Director Independence

     49   

Item 14. Principal Accountant Fees and Services

     49   
PART IV   

Item 15. Exhibits and Financial Statement Schedules

     49   

Signatures

     53   

 

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PART I

Forward-Looking Information

This Annual Report on Form 10-K includes forward-looking statements and information is subject to the “safe harbor” provisions of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These forward-looking statements (which involve Plumas Bancorp’s (the “Company’s”) plans, beliefs and goals, refer to estimates or use similar terms) involve certain risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such risks and uncertainties include, but are not limited to, the following factors:

 

   

Local, regional, national and international economic conditions and the impact they may have on us and our customers, and our assessment of that impact on our estimates including, but not limited to, the allowance for loan losses.

 

   

The effects of and changes in trade, monetary and fiscal policies and laws, including the interest rate policies of the Federal Open Market Committee of the Federal Reserve Board.

 

   

The ability to receive regulatory approval for the Bank to declare and pay dividends to the Company.

 

   

Changes imposed by regulatory agencies to increase our capital to a level greater than the current level required for well-capitalized financial institutions (including the impact of the recent joint rule proposals by the Federal Reserve Board, Office of the Comptroller of the Currency, and the FDIC to revise the regulatory capital rules, including the implementation of the Basel III standards), the failure to maintain capital above the level required to be well-capitalized under the regulatory capital adequacy guidelines, the availability of capital from private or government sources, or the failure to raise additional capital as needed.

 

   

The effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other accounting standard setters.

 

   

The costs and effects of changes in laws and regulations and of other legal and regulatory developments, including, but not limited to, increases in FDIC insurance premiums, the resolution of legal proceedings or regulatory or other governmental inquiries, and the results of regulatory examinations, reviews or other inquires.

 

   

Changes in the interest rate environment and volatility of rate sensitive assets and liabilities.

 

   

Declines in the health of the economy, nationally or regionally, which could reduce the demand for loans, reduce the ability of borrowers to repay loans and/or reduce the value of real estate collateral securing most of the Company’s loans.

 

   

Credit quality deterioration, which could cause an increase in the provision for loan and lease losses.

 

   

Devaluation of fixed income securities.

 

   

Asset/liability matching risks and liquidity risks.

 

   

Loss of key personnel.

 

   

Operational interruptions including data processing systems failure and fraud.

 

   

Our success at managing the risks involved in the foregoing items.

The Company undertakes no obligation to revise or publicly release the results of any revision to these forward-looking statements.

 

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ITEM 1. BUSINESS

General

The Company. Plumas Bancorp (the “Company”) is a California corporation registered as a bank holding company under the Bank Holding Company Act of 1956, as amended, and is headquartered in Quincy, California. The Company was incorporated in January 2002 and acquired all of the outstanding shares of Plumas Bank (the “Bank”) in June 2002. The Company’s principal subsidiary is the Bank, and the Company exists primarily for the purpose of holding the stock of the Bank and of such other subsidiaries it may acquire or establish. At the present time, the Company’s only other subsidiaries are Plumas Statutory Trust I and Plumas Statutory Trust II, which were formed in 2002 and 2005 solely to facilitate the issuance of trust preferred securities.

The Company’s principal source of income is dividends from the Bank, but the Company may explore supplemental sources of income in the future. The Bank cannot currently pay dividends without the prior approval of its primary regulators. The cash outlays of the Company, including (but not limited to) the payment of dividends to shareholders, if and when declared by the Board of Directors, costs of repurchasing Company common stock, the cost of servicing debt and preferred stock dividends, will generally be paid from dividends paid to the Company by the Bank. The Company cannot currently pay dividends without the prior approval of its primary regulators.

At December 31, 2012, the Company had consolidated assets of $478 million, deposits of $412 million, other liabilities of $24 million and shareholders’ equity of $42 million. The Company’s liabilities include $10.3 million in junior subordinated deferrable interest debentures issued in conjunction with the trust preferred securities issued by Plumas Statutory Trust I (the “Trust I”) in September 2002 and Plumas Statutory Trust II (the “Trust II”) in September 2005. Both Trust I and Trust II are further discussed in the section titled “Trust Preferred Securities.” Shareholders’ equity includes $11.9 million in preferred stock issued pursuant to the U.S. government’s Capital Purchase Program which is discussed in the section titled "Capital Purchase Program—TARP—Preferred Stock and Stock Warrant."

References herein to the “Company,” “we,” “us” and “our” refer to Plumas Bancorp and its consolidated subsidiary, unless the context indicates otherwise. Our operations are conducted at 35 South Lindan Avenue, Quincy, California. Our annual, quarterly and other reports, required under the Securities Exchange Act of 1934 and filed with the Securities and Exchange Commission, (the “SEC”) are posted and are available at no cost on the Company’s website, www.plumasbank.com, as soon as reasonably practicable after the Company files such documents with the SEC. These reports are also available through the SEC’s website at www.sec.gov.

The Bank. The Bank is a California state-chartered bank that was incorporated in July 1980 and opened for business in December 1980. The Bank is not a member of the Federal Reserve System. The Bank’s Administrative Office is located at 35 South Lindan Avenue, Quincy, California. At December 31, 2012 the Bank had approximately $476 million in assets, $310 million in net loans and $412 million in deposits (including deposits of $0.5 million from the Bancorp). It is currently the largest independent bank headquartered in Plumas County. The Bank’s deposit accounts are insured by the Federal Deposit Insurance Corporation (the “FDIC”) up to maximum insurable amounts.

The Bank’s primary service area covers the Northeastern portion of California, with Lake Tahoe to the South and the Oregon border to the North. The Bank, through its eleven branch network, serves the seven contiguous California counties of Plumas, Nevada, Sierra, Placer, Lassen, Modoc and Shasta. The branches are located in the communities of Quincy, Portola, Greenville, Truckee, Fall River Mills, Alturas, Susanville, Chester, Tahoe City, Kings Beach and Redding. The Bank maintains fifteen automated teller machines (“ATMs”) tied in with major statewide and national networks. In addition to its branch network, the Bank operates a lending office specializing in government-guaranteed lending in Auburn, California. The Bank’s primary business is servicing the banking needs of these communities. Its marketing strategy stresses its local ownership and commitment to serve the banking needs of individuals living and working in the Bank’s primary service areas.

 

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With a predominant focus on personal service, the Bank has positioned itself as a multi-community independent bank serving the financial needs of individuals and businesses within the Bank’s geographic footprint. Our principal retail lending services include consumer, automobile and home equity loans. Our principal commercial lending services include term real estate, commercial and industrial term loans. In addition, we provide government-guaranteed and agricultural loans as well as credit lines. We provide land development and construction loans on a limited basis.

The Bank’s Government-guaranteed lending center, headquartered in Auburn, California with additional personnel in Truckee, provides Small Business Administration and USDA Rural Development loans to qualified borrowers throughout Northern California and Northern Nevada. During 2007 the Bank was granted nationwide Preferred Lender status with the U.S. Small Business Administration and we expect government-guaranteed lending to continue to be an important part of our overall lending operation. During 2012 proceeds from the sale of government-guaranteed loans totaled $20.1 million and we generated a gain on sale of $1.3 million. In 2011 proceeds from the sale of government guaranteed loans totaled $23.4 million and we generated a gain on sale of $1.9 million.

The Agricultural Credit Centers located in Susanville and Alturas provide a complete line of credit services in support of the agricultural activities which are key to the continued economic development of the communities we serve. “Ag lending” clients include a full range of individual farming customers, small- to medium-sized business farming organizations and corporate farming units.

As of December 31, 2012, the principal areas to which we directed our lending activities, and the percentage of our total loan portfolio comprised by each, were as follows: (i) commercial real estate – 44.3%; (ii) commercial and industrial loans – 9.4%; (iii) consumer loans (including residential equity lines of credit) – 19.2%; (iv) agricultural loans (including agricultural real estate loans) – 11.1%; (v) residential real estate – 11.0%; and (vi) construction and land development – 5.0% .

In addition to the lending activities noted above, we offer a wide range of deposit products for the retail and commercial banking markets including checking, interest-bearing checking, business sweep, public funds sweep, savings, time deposit and retirement accounts, as well as remote deposit, telephone and mobile banking and internet banking with bill-pay options. Interest bearing deposits include high yield sweep accounts designed for our commercial customers and for public entities such as municipalities. In addition we offer a premium interest bearing checking account for our consumer customers. As of December 31, 2012, the Bank had 30,997 deposit accounts with balances totaling approximately $412 million, compared to 29,359 deposit accounts with balances totaling approximately $392 million at December 31, 2011. We attract deposits through our customer-oriented product mix, competitive pricing, convenient locations, extended hours, remote deposit operations and drive-up banking, all provided with a high level of customer service.

Most of our deposits are attracted from individuals, business-related sources and smaller municipal entities. This mix of deposit customers resulted in a relatively modest average deposit balance of approximately $13,000 at December 31, 2012. However, it makes us less vulnerable to adverse effects from the loss of depositors who may be seeking higher yields in other markets or who may otherwise draw down balances for cash needs.

We also offer a variety of other products and services to complement the lending and deposit services previously reviewed. These include cashier’s checks, bank-by-mail, ATMs, night depository, safe deposit boxes, direct deposit, electronic funds transfers, on-line banking, remote deposit, mobile banking and other customary banking services.

Through our offering of a Remote Deposit product our customers are able to make non-cash deposits remotely from their physical location. With this product, we have extended our service area and can now meet the deposit needs of customers who may not be located within a convenient distance of one of our branch offices.

 

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Additionally, the Bank has devoted a substantial amount of time and capital to the improvement of existing Bank services, during 2009 we replaced our on-line banking service with a new state of the art product that greatly expands the features available to our customers. In addition we utilized this platform to add mobile banking services during the first quarter of 2010. During 2010 Plumas Bank began offering a new Green Account which promotes protecting the environment, reducing clutter and making life simpler for the customer through technological advancements such as eStatements, online banking, and debit card usage while providing the customer with the opportunity to grow their savings through monthly monetary rewards for green behavior. In 2011, we introduced a new product for our larger business customers which use repurchase agreements as an alternative to interest-bearing deposits. The balance in this product at December 31, 2012 was $7.4 million. Interest paid on this product is similar to that which can be earned on the Bank’s premium money market account; however, these are not deposits and are not FDIC insured. During the first quarter of 2012 we replaced our ATMs with new state of the art machines that are capable of accepting check and cash deposits without a deposit envelope.

The officers and employees of the Bank are continually engaged in marketing activities, including the evaluation and development of new products and services, to enable the Bank to retain and improve its competitive position in its service area.

We hold no patents or licenses (other than licenses required by appropriate bank regulatory agencies or local governments), franchises, or concessions. Our business has a modest seasonal component due to the heavy agricultural and tourism orientation of some of the communities we serve. As our branches in less rural areas such as Truckee have expanded and with the opening of our Auburn commercial lending office, the agriculture-related base has become less significant. We are not dependent on a single customer or group of related customers for a material portion of our deposits, nor are a material portion of our loans concentrated within a single industry or group of related industries. There has been no material effect upon our capital expenditures, earnings, or competitive position as a result of federal, state, or local environmental regulation.

Commitment to our Communities. The Board of Directors and Management believe that the Company plays an important role in the economic well being of the communities it serves. Our Bank has a continuing responsibility to provide a wide range of lending and deposit services to both individuals and businesses. These services are tailored to meet the needs of the communities served by the Company and the Bank.

We offer various loan products which promote home ownership and affordable housing, encourage job growth and support community economic development. Types of loans offered range from personal and commercial loans to real estate, construction, agricultural, and government-guaranteed community infrastructure loans. Many banking decisions are made locally with the goal of maintaining customer satisfaction through the timely delivery of high quality products and services.

Capital Purchase Program—TARP—Preferred Stock and Stock Warrant. On January 30, 2009 the Company entered into a Letter Agreement (the “Purchase Agreement”) with the United States Department of the Treasury (“Treasury”), pursuant to which the Company issued and sold (i) 11,949 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “Series A Preferred Stock”) and (ii) a warrant (the “Warrant”) to purchase 237,712 shares of the Company’s common stock, no par value (the “Common Stock”), for an aggregate purchase price of $11,949,000 in cash.

The Series A Preferred Stock qualifies as Tier 1 capital and pays cumulative dividends quarterly at a rate of 5% per annum for the first five years, and 9% per annum thereafter. The Company may redeem the Series A Preferred Stock at its liquidation preference ($1,000 per share) plus accrued and unpaid dividends under the American Recovery and Reinvestment Act of 2009, subject to the Treasury’s consultation with the Company’s appropriate federal regulator.

The Warrant has a 10-year term and was immediately exercisable with an exercise price, subject to antidilution adjustments, equal to $7.54 per share of the Common Stock. Treasury has agreed not to exercise voting power with respect to any shares of Common Stock issued upon exercise of the Warrant.

Prior to January 30, 2012, unless the Company has redeemed the Series A Preferred Stock, or the Treasury has transferred the Series A Preferred Stock to a third party, the consent of the Treasury will be required for the Company to: (1) declare or pay any dividend or make any distribution on shares of the Common Stock (other than regular quarterly cash dividends of not more than $0.04 per share or regular semi-annual cash dividends of not more than $0.08 per share); or (2) redeem, purchase or acquire any shares of Common Stock or other equity or capital securities, other than in connection with benefit plans consistent with past practice and certain other circumstances specified in the Purchase Agreement. At the request of the Federal Reserve Bank of San Francisco (FRB), Plumas Bancorp suspended quarterly cash dividend payments on its Series A Preferred Stock. As of December 31, 2012 the amount of the arrearage on the dividend payments of the Series A Preferred Stock is $1,643,000 representing eleven quarterly payments.

 

 

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Trust Preferred Securities. During the third quarter of 2002, the Company formed a wholly owned Connecticut statutory business trust, Plumas Statutory Trust I (the “Trust I”). On September 26, 2002, the Company issued to the Trust I, Floating Rate Junior Subordinated Deferrable Interest Debentures due 2032 (the “Debentures”) in the aggregate principal amount of $6,186,000. In exchange for these debentures the Trust I paid the Company $6,186,000. The Trust I funded its purchase of debentures by issuing $6,000,000 in floating rate capital securities (“trust preferred securities”), which were sold to a third party. These trust preferred securities qualify as Tier I capital under current Federal Reserve Board guidelines. The Debentures are the only asset of the Trust I. The interest rate and terms on both instruments are substantially the same. The rate is based on the three-month LIBOR (London Interbank Offered Rate) plus 3.40%, not to exceed 11.9%, adjustable quarterly. The proceeds from the sale of the Debentures were primarily used by the Company to inject capital into the Bank.

During the third quarter of 2005, the Company formed a wholly owned Connecticut statutory business trust, Plumas Statutory Trust II (the “Trust II”). On September 28, 2005, the Company issued to the Trust II, Floating Rate Junior Subordinated Deferrable Interest Debentures due 2035 (the “Debentures”) in the aggregate principal amount of $4,124,000. In exchange for these debentures the Trust II paid the Company $4,124,000. The Trust II funded its purchase of debentures by issuing $4,000,000 in floating rate capital securities (“trust preferred securities”), which were sold to a third party. These trust preferred securities qualify as Tier I capital under current Federal Reserve Board guidelines. The Debentures are the only asset of the Trust II. The interest rate and terms on both instruments are substantially the same. The rate is based on the three-month LIBOR (London Interbank Offered Rate) plus 1.48%, adjustable quarterly. The proceeds from the sale of the Debentures were primarily used by the Company to inject capital into the Bank.

The Debentures and trust preferred securities accrue and pay distributions quarterly based on the floating rate described above on the stated liquidation value of $1,000 per security. The Company has entered into contractual agreements which, taken collectively, fully and unconditionally guarantee payment of: (1) accrued and unpaid distributions required to be paid on the capital securities; (2) the redemption price with respect to any capital securities called for redemption by either Trust I or Trust II, and (3) payments due upon voluntary or involuntary dissolution, winding up, or liquidation of either Trust I or Trust II.

The trust preferred securities are mandatorily redeemable upon maturity of the Debentures on September 26, 2032 for Trust I and September 28, 2035 for Trust II, or upon earlier redemption as provided in the indenture.

Neither Trust I nor Trust II are consolidated into the Company’s consolidated financial statements and, accordingly, both entities are accounted for under the equity method and the junior subordinated debentures are reflected as debt on the consolidated balance sheet. At the request of the FRB, Plumas Bancorp deferred its regularly scheduled quarterly interest payments on its outstanding junior subordinated debentures relating to its two trust preferred securities. As of December 31, 2012 the amount of the arrearage on the payments on the subordinated debt associated with the trust preferred securities is $906,000 representing eleven quarterly payments. On March 15, 2013, with the approval of the FRB, the Company made all current and deferred interest payments on its trust preferred securities.

Recent Developments. Effective February 8, 2012, the Bank entered into an informal agreement with the FDIC and DFI which, among other things, requests that the Bank maintain a Tier 1 Leverage Capital Ratio of 9% which is in excess of that required for well capitalized institutions and continue to reduce its level of classified asset balances that were outstanding as of September 30, 2011 to not more than 50% of Tier 1 Capital plus the allowance for loan losses. At December 31, 2012 this ratio was 32% and the Bank’s Tier 1 Leverage Capital Ratio was 10.4%. The FDIC and DFI terminated the informal agreement effective January 24, 2013.

 

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On July 28, 2011 the Company entered into an agreement with the Federal Reserve Bank of San Francisco (the "FRB Agreement"). Under the terms of the FRB Agreement, Plumas Bancorp has agreed to take certain actions that are designed to maintain its financial soundness so that it may continue to serve as a source of strength to the Bank. Among other things, the FRB Agreement requires prior written approval related to the payment or taking of dividends and distributions, making any distributions of interest, principal or other sums on subordinated debentures or trust preferred securities, incurrence of debt, and the purchase or redemption of stock. In addition, the FRB Agreement requires Plumas Bancorp to submit, within 60 days of the FRB Agreement, a written statement of Plumas Bancorp’s planned sources and uses of cash for debt service, operating expense and other purposes (“Cash Flow Statement”) for the remainder of 2011 and annually thereafter. The Company submitted the Cash Flow Statements within the required time frames.

See Note 2 – “Regulatory Matters” of the Company’s Consolidated Financial Statements in Item 8 – Financial Statements and Supplementary Data of this Annual Report on Form 10K for additional information related to the Order and FRB Agreement.

Business Concentrations. No individual or single group of related customer accounts is considered material in relation to the Banks' assets or deposits, or in relation to our overall business. However, at December 31, 2012 approximately 78% of the Bank's total loan portfolio consisted of real estate-secured loans, including real estate mortgage loans, real estate construction loans, consumer equity lines of credit, and agricultural loans secured by real estate. Moreover, our business activities are currently focused in the California counties of Plumas, Nevada, Placer, Lassen, Modoc, Shasta and Sierra and Washoe County in Nevada. Consequently, our results of operations and financial condition are dependent upon the general trends in these economies and, in particular, the residential and commercial real estate markets. In addition, the concentration of our operations in these areas of California and Nevada exposes us to greater risk than other banking companies with a wider geographic base in the event of catastrophes, such as earthquakes, fires and floods in these regions in California and Nevada.

Competition. With respect to commercial bank competitors, the business is largely dominated by a relatively small number of major banks with many offices operating over a wide geographical area. These banks have, among other advantages, the ability to finance wide-ranging and effective advertising campaigns and to allocate their resources to regions of highest yield and demand. Many of the major banks operating in the area offer certain services that we do not offer directly but may offer indirectly through correspondent institutions. By virtue of their greater total capitalization, such banks also have substantially higher lending limits than we do. For customers whose loan demands exceed our legal lending limit, we attempt to arrange for such loans on a participation basis with correspondent or other banks.

In addition to other banks, our competitors include savings institutions, credit unions, and numerous non-banking institutions such as finance companies, leasing companies, insurance companies, brokerage firms, and investment banking firms. In recent years, increased competition has also developed from specialized finance and non-finance companies that offer wholesale finance, credit card, and other consumer finance services, including on-line banking services and personal financial software. Strong competition for deposit and loan products affects the rates of those products as well as the terms on which they are offered to customers. Mergers between financial institutions have placed additional competitive pressure on banks within the industry to streamline their operations, reduce expenses, and increase revenues. Competition has also intensified due to federal and state interstate banking laws enacted in the mid-1990’s, which permit banking organizations to expand into other states. The relatively large California market has been particularly attractive to out-of-state institutions. The Financial Modernization Act, which became effective March 11, 2000, has made it possible for full affiliations to occur between banks and securities firms, insurance companies, and other financial companies, and has also intensified competitive conditions.

Currently, within the Bank’s branch service area there are 63 banking branch offices of competing institutions, including 30 branches of 8 major banks. As of June 30, 2012, the Federal Deposit Insurance Corporation (FDIC) estimated the Bank’s market share of insured deposits within the communities it serves to be as follows: Chester 65%, Quincy 59%, Portola 56%, Alturas 45%, Fall River Mills 36%, Kings Beach 31%, Susanville 24%,Truckee 15%, Tahoe City 8%, Redding less than 1% and 100% in Greenville. Redding is the location of our most recently opened branch, which became operational in June 2007.

 

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Technological innovations have also resulted in increased competition in financial services markets. Such innovation has, for example, made it possible for non-depository institutions to offer customers automated transfer payment services that previously were considered traditional banking products. In addition, many customers now expect a choice of delivery systems and channels, including home computer, mobile, telephone, ATMs, mail, full-service branches and/or in-store branches. The sources of competition in such products include traditional banks as well as savings associations, credit unions, brokerage firms, money market and other mutual funds, asset management groups, finance and insurance companies, internet-only financial intermediaries, and mortgage banking firms.

For many years we have countered rising competition by providing our own style of community-oriented, personalized service. We rely on local promotional activity, personal contacts by our officers, directors, employees, and shareholders, automated 24-hour banking, and the individualized service that we can provide through our flexible policies. This approach appears to be well-received by our customers who appreciate a more personal and customer-oriented environment in which to conduct their financial transactions. To meet the needs of customers who prefer to bank electronically, we offer telephone banking, mobile banking, remote deposit, and personal computer and internet banking with bill payment capabilities. This high tech and high touch approach allows the customers to tailor their access to our services based on their particular preference.

Employees. At December 31, 2012, the Company and its subsidiary employed 151 persons. On a full-time equivalent basis, we employed 138 persons. None of the Company’s employees are represented by a labor union, and management considers its relations with employees to be good.

Code of Ethics. The Board of Directors has adopted a code of business conduct and ethics for directors, officers (including Plumas Bancorp’s principal executive officer and principal financial officer) and financial personnel, known as the Corporate Governance Code of Ethics. This Code of Ethics Policy is available on Plumas Bancorp’s website at www.plumasbank.com. Shareholders may request a free copy of the Code of Ethics Policy from Plumas Bancorp, Ms. Elizabeth Kuipers, Investor Relations, 35 S. Lindan Avenue, Quincy, California 95971.

Supervision and Regulation

General. We are extensively regulated under federal and state law. These laws and regulations are generally intended to protect depositors and customers, not shareholders. To the extent that the following information describes statutory or regulatory provisions, it is qualified in its entirety by reference to the particular statute or regulation. Any change in applicable laws or regulations may have a material effect on our business and prospects. Our operations may be affected by legislative changes and by the policies of various regulatory authorities. We cannot accurately predict the nature or the extent of the effects on our business and earnings that fiscal or monetary policies, or new federal or state legislation may have in the future. The Company is subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, both as administered by the Securities and Exchange Commission. As a listed company on NASDAQ, the Company is subject to NASDAQ rules for listed companies.

Holding Company Regulation. We are a registered bank holding company under the Bank Holding Company Act, and are subject to the supervision of, and regulation by, the Board of Governors of the Federal Reserve System (the “Federal Reserve”). As a bank holding company, we are examined by and file reports with the Federal Reserve. The Federal Reserve expects a bank holding company to serve as a source of financial and managerial strength to its subsidiary bank and, under appropriate circumstances, to commit resources to support the subsidiary bank.

Federal and State Bank Regulation. The Bank, as a state chartered bank with deposits insured by the FDIC, is primarily subject to the supervision and regulation of the California Department of Financial Institutions, the FDIC, and the Consumer Financial Protection Bureau (CFPB). These agencies may prohibit the Bank from engaging in what they believe constitute unsafe or unsound banking practices. The California Department of Financial Institutions regularly examines the Bank or participates in joint examinations with the FDIC.

The Community Reinvestment Act (“CRA”) requires that, in connection with examinations of financial institutions within its jurisdiction, the FDIC evaluate the record of the financial institutions in meeting the credit needs of their local communities, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of those institutions. These factors are also considered in evaluating mergers, acquisitions and applications to open a branch or new facility. A less than “Satisfactory” rating would result in the suspension of any growth of the Bank through acquisitions or opening de novo branches until the rating is improved. As of the most recent CRA examination the Bank’s CRA rating was “Satisfactory.”

 

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Banks are also subject to certain restrictions imposed by the Federal Reserve Act on extensions of credit to executive officers, directors, principal shareholders or any related interest of such persons. Extensions of credit must be made on substantially the same terms, including interest rates and collateral as, and follow credit underwriting procedures that are not less stringent than, those prevailing at the time for comparable transactions with persons not affiliated with the bank, and must not involve more than the normal risk of repayment or present other unfavorable features. Banks are also subject to certain lending limits and restrictions on overdrafts to such persons. A violation of these restrictions may result in the assessment of substantial civil monetary penalties on the affected bank or any officer, director, employee, agent or other person participating in the conduct of the affairs of that bank, the imposition of a cease and desist order, and other regulatory sanctions.

The Federal Reserve Act and related Regulation W limit the amount of certain loan and investment transactions between the Bank and its affiliates, require certain levels of collateral for such loans, and limit the amount of advances to third parties that may be collateralized by the securities of the Company or its subsidiaries. Regulation W requires that certain transactions between the Bank and its affiliates be on terms substantially the same, or at least as favorable to the Bank, as those prevailing at the time for comparable transactions with or involving nonaffiliated companies or, in the absence of comparable transactions, on terms and under circumstances, including credit standards, that in good faith would be offered to or would apply to nonaffiliated companies. The Company and its subsidiaries have adopted an Affiliate Transactions Policy and have entered into various affiliate agreements in compliance with Regulation W.

The Federal Reserve and the FDIC have adopted non-capital safety and soundness standards for institutions. These standards cover internal controls, information and internal audit systems, loan documentation, credit underwriting, interest rate exposure, asset growth, compensation, fees and benefits, and standards for asset quality, earnings and stock valuation. An institution that fails to meet these standards must develop a plan acceptable to the agency, specifying the steps that it will take to meet the standards. Failure to submit or implement such a plan may subject the institution to regulatory sanctions. We believe that the Bank is in compliance with these standards.

Federal Deposit Insurance. Substantially all deposits with the Bank are insured up to applicable limits by the Deposit Insurance Fund (“DIF”) of the FDIC and are subject to deposit insurance assessments to maintain the DIF.

The FDIC utilizes a risk-based assessment system to set quarterly insurance premium assessments which categorizes banks into four risk categories based on capital levels and supervisory “CAMELS” ratings and names them Risk Categories I, II, III and IV. The CAMELS rating system is based upon an evaluation of the six critical elements of an institution’s operations: Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to risk.

This rating system is designed to take into account and reflect all significant financial and operational factors financial institution examiners assess in their evaluation of an institution’s performance. The following table sets forth these four Risk Categories:

 

Capital Group

   Supervisory Subgroup  
     A      B      C  

1. Well Capitalized

     I         II         III   

2. Adequately Capitalized

     II         II         III   

3. Undercapitalized

     III         III         IV   

 

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Within Risk Category I, the assessment system combines supervisory ratings with other risk measures to differentiate risk. For most institutions, the assessment system combines CAMELS component ratings with financial ratios to determine an institution’s assessment rate. The base assessment rates as of April 1, 2011 (which are still in effect as of December 31, 2012) are as follows (expressed in terms of cents per $100 in insured deposits):

 

Initial Base Assessment Rates

     Risk Category
   I*                    
   Minimum    Maximum    II    III    IV    Large &
Highly
Complex
Institutions

Annual Rates (in basis points)

   5    9    14    23    35    5-35

 

* Initial base rates that were not the minimum or maximum rates will vary between these rates.

After applying all possible adjustments, minimum and maximum total base assessment rates for each Risk Category are as follows:

 

Total Base Assessment Rates*

     Risk
Category
I
   Risk
Category
II
   Risk
Category
III
   Risk
Category
IV
   Large
&
Highly
Complex
Institutions

Initial base assessment rate

   5 – 9    14    23    35    5 – 35

Unsecured debt adjustment**

   -4.5 – 0    -5 – 0    -5 – 0    -5 – 0    -5 – 0

Brokered deposit adjustment

   N/A    0 – 10    0 – 10    0 – 10    0 – 10

Total base assessment rate

   2.5 – 9    9 – 24    18 – 33    30 – 45    2.5 – 45

 

* Total base assessment rates do not include the depository institution debt adjustment.
** The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50% of an insured depository institution’s initial base assessment rate.

The Dodd-Frank Act requires the FDIC to take such steps as necessary to increase the reserve ratio of the Deposit Insurance Fund from 1.15% to 1.35% of insured deposits by 2020. In setting the assessments, the FDIC is required to offset the effect of the higher reserve ratio against insured depository institutions with total consolidated assets of less than $10 billion. The Dodd-Frank Act also broadens the base for FDIC insurance assessments so that assessments will be based on the average consolidated total assets less average tangible equity capital of a financial institution rather than on its insured deposits.

In October 2010, the FDIC adopted a new DIF restoration plan to ensure that the fund reserve ratio reaches 1.35% by September 30, 2020, as required by the Dodd-Frank Act. Under the new restoration plan, the FDIC on a semi-annual or more frequent basis will update its loss and income projections for the DIF and, if needed, increase or decrease assessment rates. Further increases in the assessment rate could have a material adverse effect on our earnings, depending upon the amount of the increase.

The enactment of the Dodd-Frank Act also permanently raised the current standard maximum federal deposit insurance amount from $100,000 to $250,000 per qualified deposit account.

In November 2008, the FDIC approved the final ruling establishing the Transaction Account Guarantee Program (“TAGP”) as part of the Temporary Liquidity Guarantee Program (“TLGP”). Under this program, all non-interest bearing transaction accounts became fully guaranteed by the FDIC for the entire amount in the account. This unlimited coverage also extended to NOW (interest bearing deposit accounts) earning an interest rate no greater than 0.50% and all IOLTAs (lawyers’ trust accounts). TAGP was extended with the enactment of the Dodd-Frank Act providing for unlimited deposit insurance for noninterest bearing transactions accounts (excluding NOW, but including IOLTAs) expiring on December 31, 2012.

 

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The FDIC may terminate the deposit insurance of any insured depository institution if it determines that the institution has engaged in or is engaging in unsafe and unsound banking practices, is in an unsafe or unsound condition or has violated any applicable law, regulation or order or any condition imposed in writing by, or pursuant to, any written agreement with the FDIC. The termination of deposit insurance for the Bank could have a material adverse effect on our financial condition and results of operations due to the fact that the Bank’s liquidity position would likely be affected by deposit withdrawal activity.

Capital Adequacy. The FDIC has risk-based capital adequacy guidelines intended to provide a measure of capital adequacy that reflects the degree of risk associated with a banking organization’s operations for both transactions reported on the balance sheet as assets, and transactions, such as letters of credit and recourse arrangements, which are reported as off-balance-sheet items. Under these guidelines, nominal dollar amounts of assets and credit equivalent amounts of off-balance-sheet items are multiplied by one of several risk adjustment percentages, which range from 0% for assets with low credit risk, such as certain U.S. government securities, to 100% for assets with relatively higher credit risk, such as business loans.

A banking organization’s risk-based capital ratios are obtained by dividing its qualifying capital by its total risk-adjusted assets and off-balance-sheet items. The regulators measure risk-adjusted assets and off-balance-sheet items against both total qualifying capital (the sum of Tier 1 capital and limited amounts of Tier 2 capital) and Tier 1 capital. Tier 1 capital consists of common stock, retained earnings, noncumulative perpetual preferred stock and minority interests in certain subsidiaries, less most other intangible assets. Tier 2 capital may consist of a limited amount of the allowance for loan and lease losses and certain other instruments with some characteristics of equity. The inclusion of elements of Tier 2 capital is subject to certain other requirements and limitations of the federal banking agencies. Since December 31, 1992, the FRB and the FDIC have required a minimum ratio of qualifying total capital to risk-adjusted assets and off-balance-sheet items of 8%, and a minimum ratio of Tier 1 capital to risk-adjusted assets and off-balance-sheet items of 4%.

In addition to the risk-based guidelines, the FRB requires banking organizations to maintain a minimum amount of Tier 1 capital to average total assets, referred to as the leverage ratio. For a banking organization rated in the highest of the five categories used by regulators to rate banking organizations, the minimum leverage ratio of Tier 1 capital to total assets is 3%. It is improbable; however, that an institution with a 3% leverage ratio would receive the highest rating by the regulators since a strong capital position is a significant part of the regulators’ ratings. For all banking organizations not rated in the highest category, the minimum leverage ratio is at least 100 to 200 basis points above the 3% minimum. Thus, the effective minimum leverage ratio, for all practical purposes, is at least 4% or 5%. In addition to these uniform risk-based capital guidelines and leverage ratios that apply across the industry, the FRB and FDIC have the discretion to set individual minimum capital requirements for specific institutions at rates significantly above the minimum guidelines and ratios.

A bank that does not achieve and maintain the required capital levels may be issued a capital directive by the FRB and/or DFI to ensure the maintenance of required capital levels. As discussed above, the Company and the Bank are required to maintain certain levels of capital, as is the Bank. The regulatory capital guidelines as well as the actual capitalization for the Bank and Bancorp as of December 31, 2012 follow:

 

     Requirement for the
Bank to be:
             
     Adequately
Capitalized
    Well
Capitalized
    Plumas
Bank
    Plumas
Bancorp
 

Tier 1 leverage capital ratio

     4.0     5.0     10.4     10.3

Tier 1 risk-based capital ratio

     4.0     6.0     14.1     13.9

Total risk-based capital ratio

     8.0     10.0     15.3     15.1

 

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Management believes that the Company and the Bank met all of the above capital adequacy requirements as of December 31, 2012 and 2011.

The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) requires federal banking regulators to take “prompt corrective action” with respect to a capital-deficient institution, including requiring a capital restoration plan and restricting certain growth activities of the institution. The Company could be required to guarantee any such capital restoration plan required of the Bank if the Bank became undercapitalized. Pursuant to FDICIA, regulations were adopted defining five capital levels: well capitalized, adequately capitalized, undercapitalized, severely undercapitalized and critically undercapitalized.

If capital falls below the minimum levels established by these regulatory capital guidelines, a holding company or a bank may be denied approval to acquire or establish additional banks or non-bank businesses or to open new facilities.

Banks with capital ratios below the required minimums are subject to certain administrative actions, including prompt corrective action, the termination of deposit insurance upon notice and hearing, or a temporary suspension of insurance without a hearing.

New Proposed Capital Rules. During 2012 the federal bank regulatory agencies issued joint proposed rules that implement Basel III regulatory capital reforms and changes required by the Reform Act. "Basel III" refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010 and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements. The proposed rules received extensive comments. In a joint press release issued in November 2012, the agencies stated that they do not expect any of the proposed rules to become effective on the original target date of January 1, 2013. Industry participants are expecting further guidance in early 2013. Management has completed a preliminary assessment of the impact of the proposed rules and believes Plumas Bank's ratios would be in compliance with the requirements of the proposed rules if they were presently in effect.

Effects of Government Monetary Policy. Our earnings and growth are affected not only by general economic conditions, but also by the fiscal and monetary policies of the federal government, particularly the Federal Reserve. The Federal Reserve implements national monetary policy for such purposes as curbing inflation and combating recession, through its open market operations in U.S. Government securities, control of the discount rate applicable to borrowings from the Federal Reserve, and establishment of reserve requirements against certain deposits. These activities influence growth of bank loans, investments and deposits, and also affect interest rates charged on loans or paid on deposits. The nature and impact of future changes in monetary policies and their impact on us cannot be predicted with certainty.

Consumer Protection Laws and Regulations. The banking regulatory agencies are focusing greater attention on compliance with consumer protection laws and their implementing regulations. Examination and enforcement have become more intense in nature, and insured institutions have been advised to monitor carefully compliance with such laws and regulations. The Company is subject to many federal and state consumer protection and privacy statutes and regulations, some of which are discussed below.

The Equal Credit Opportunity Act (the “ECOA”) generally prohibits discrimination in any credit transaction, whether for consumer or business purposes, on the basis of race, color, religion, national origin, sex, marital status, age (except in limited circumstances), receipt of income from public assistance programs, or good faith exercise of any rights under the Consumer Credit Protection Act.

The Truth in Lending Act (the “TILA”) is designed to ensure that credit terms are disclosed in a meaningful way so that consumers may compare credit terms more readily and knowledgeably. As a result of the TILA, all creditors must use the same credit terminology to express rates and payments, including the annual percentage rate, the finance charge, the amount financed, the total of payments and the payment schedule, among other things. As a result of Dodd Frank, Regulation Z promulgated under TILA includes new limits on loan originator compensation for all closed-end mortgages. These changes include, prohibiting certain payments to a mortgage broker or loan officer based on the transaction’s terms or conditions, prohibiting dual compensation, and prohibiting a mortgage broker or loan officer from ‘‘steering’’ consumers to transactions not in their interest, to increase mortgage broker or loan officer compensation.

 

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The Fair Housing Act (the “FH Act”) regulates many practices, including making it unlawful for any lender to discriminate in its housing-related lending activities against any person because of race, color, religion, national origin, sex, handicap or familial status. A number of lending practices have been found by the courts to be, or may be considered, illegal under the FH Act, including some that are not specifically mentioned in the FH Act itself.

The Home Mortgage Disclosure Act (the “HMDA”), in response to public concern over credit shortages in certain urban neighborhoods, requires public disclosure of information that shows whether financial institutions are serving the housing credit needs of the neighborhoods and communities in which they are located. The HMDA also includes a "fair lending" aspect that requires the collection and disclosure of data about applicant and borrower characteristics as a way of identifying possible discriminatory lending patterns and enforcing anti-discrimination statutes.

The Right to Financial Privacy Act (the “RFPA”) imposes a new requirement for financial institutions to provide new privacy protections to consumers. Financial institutions must provide disclosures to consumers of its privacy policy, and state the rights of consumers to direct their financial institution not to share their nonpublic personal information with third parties.

Finally, the Real Estate Settlement Procedures Act (the “RESPA”) requires lenders to provide noncommercial borrowers with disclosures regarding the nature and cost of real estate settlements. Also, RESPA prohibits certain abusive practices, such as kickbacks, and places limitations on the amount of escrow accounts.

Penalties for noncompliance or violations under the above laws may include fines, reimbursement and other penalties. Due to heightened regulatory concern related to compliance with CRA, ECOA, TILA, FH Act, HMDA, RFPA and RESPA generally, the Company may incur additional compliance costs or be required to expend additional funds for investments in its local communities.

Recent Legislation and Other Changes. Federal and state laws affecting banking are enacted from time to time, and similarly federal and state regulations affecting banking are also adopted from time to time. The following include some of the recent laws and regulations affecting banking.

The Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”), signed into law in July, 2010, will significantly change the current bank regulatory structure and affect the lending, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act creates of a new interagency council, the Financial System Oversight Council that is charged with identifying and monitoring the systemic risk to the U.S. economy posed by systemically significant, large financial companies, including bank holding companies and non-bank financial companies. The Office of Thrift Supervision will be eliminated and its powers distributed among the Office of the Comptroller of the Currency, the Federal Reserve Board and the FDIC. The legislation also establishes a floor for capital of insured depository institutions that cannot be lower than the standards in effect today, and directs the federal banking regulators to implement new leverage and capital requirements within 18 months that take into account off-balance sheet activities and other risks, including risks relating to securitized products and derivatives.

The Dodd-Frank Act additionally creates a new independent federal regulator to administer federal consumer protection laws. The Dodd-Frank Act is expected to have a significant impact on our banks’ operations as its provisions take effect. Among the provisions that may affect the Bank are the following:

Deposit Insurance

The Dodd-Frank Act permanently increases the maximum deposit insurance amount for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2009, and extends unlimited deposit insurance to non-interest bearing transaction accounts and interest on lawyers trust accounts through December 31, 2012. The Dodd-Frank Act also broadened the base for FDIC insurance assessments. Assessments are now based on the average consolidated total assets less tangible equity capital of a financial institution. The Dodd-Frank Act requires the FDIC to increase the reserve ratio of the Deposit Insurance Fund from 1.15% to 1.35% of insured deposits by 2020 and eliminates the requirement that the FDIC pay dividends to insured depository institutions when the reserve ratio exceeds certain thresholds. The Dodd-Frank Act eliminates the federal statutory prohibition against the payment of interest on business checking accounts.

 

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Interstate Branching

The Dodd-Frank Act authorizes national and state banks to establish branches in other states to the same extent as a bank chartered by that state would be permitted to branch. Previously, banks could only establish branches in other states if the host state expressly permitted out-of-state banks to establish branches in that state. Accordingly, banks will be able to enter new markets more freely.

Limits on Derivatives

The Dodd-Frank Act prohibits state chartered banks from engaging in derivatives transactions unless the loans to one borrower limits of the state in which the bank is chartered takes into consideration credit exposure to derivatives transactions. For this purpose, derivative transactions include any contract, agreement, swap, warrant, note or option that is based in whole or in part on the value of, any interest in, or any quantitative measure or the occurrence of any event relating to, one or more commodities securities, currencies, interest or other rates, indices or other assets.

Transactions with Affiliates and Insiders

The Dodd-Frank Act expands the definition of “affiliate” for purposes of quantitative and qualitative limitations of Section 23A of the Federal Reserve Act to include mutual funds advised by a depository institution or its affiliates. The Dodd-Frank Act applies Section 23A and Section 22(h) of the Federal Reserve Act (governing transactions with insiders) to derivative transactions, repurchase agreements and securities lending and borrowing transactions that create credit exposure to an affiliate or an insider. Any such transactions with affiliates must be fully secured. The current exemption from Section 23A for transactions with financial subsidiaries will be eliminated. The Dodd-Frank Act will additionally prohibit an insured depository institution from purchasing an asset from or selling an asset to an insider unless the transaction is on market terms and, if representing more than 10% of capital, is approved in advance by disinterested directors.

Debit Card Interchange Fees

The Dodd-Frank Act requires that the amount of any interchange fee charged by a debit card issuer with respect to a debit card transaction must be reasonable and proportional to the cost incurred by the issuer. The Federal Reserve Board (“FRB”) has established standards for reasonable and proportional fees which take into account the costs of preventing fraud. The restrictions on interchange fees, however, do not apply to banks that, together with their affiliates, have assets of less than $10 billion, such as the Bank.

Consumer Financial Protection Bureau

The Dodd-Frank Act creates a new, independent federal agency called the Consumer Financial Protection Bureau (“CFPB”), which is granted broad rulemaking, supervisory and enforcement powers under various federal consumer financial protection laws, including the Equal Credit Opportunity Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Fair Debt Collection Act, the Consumer Financial Privacy provisions of the Gramm-Leach-Bliley Act and certain other statutes. The CFPB has examination and primary enforcement authority with respect to depository institutions with $10 billion or more in assets. Smaller institutions will be subject to rules promulgated by the CFPB but will continue to be examined and supervised by federal banking regulators for consumer compliance purposes. The CFPB will have authority to prevent unfair, deceptive or abusive practices in connection with the offering of consumer financial products. The Dodd-Frank Act authorizes the CFPB to establish certain minimum standards for the origination of residential mortgages including a determination of the borrower’s ability to repay. In addition, the Dodd-Frank Act will allow borrowers to raise certain defenses to foreclosure if they receive any loan other than a “qualified mortgage” as defined by the CFPB. The Dodd-Frank Act permits states to adopt consumer protection laws and standards that are more stringent than those adopted at the federal level and, in certain circumstances, permits state attorneys general to enforce compliance with both the state and federal laws and regulations.

 

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The Electronic Funds Transfer Act (the “EFTA”) provides a basic framework for establishing the rights, liabilities, and responsibilities of consumers who use electronic funds transfer (“EFT”) systems. The EFTA is implemented by the Federal Reserve's Regulation E, which governs transfers initiated through ATMs, point-of-sale terminals, payroll cards, automated clearinghouse (ACH) transactions, telephone bill-payment plans, or remote banking services. Regulation E was amended in January 2010 to require consumers to opt in (affirmatively consent) to participation in the Bank’s overdraft service program for ATM and one-time debit card transactions before overdraft fees may be assessed on the consumer’s account. Notice of the opt-in right must be provided to all existing and new customers who are consumers, and the customer’s affirmative consent must be obtained, before charges may be assessed on the consumer’s account for paying such overdrafts.

The new rule provides bank customers with an ongoing right to revoke consent to participation in an overdraft service program for ATM and one-time debit card transactions, as opposed to being automatically enrolled in such a program. The new rule also prohibits banks from conditioning the payment of overdrafts for checks, ACH transactions, or other types of transactions that overdraw the consumer’s account on the consumer’s opting into an overdraft service for ATM and one-time debit card transactions. For customers who do not affirmatively consent to overdraft service for ATM and one-timedebit card transactions, a bank must provide those customers with the same account terms, conditions, and features that it provides to consumers who do affirmatively consent, except for the overdraft service for ATM and one-time debit card transactions.

The Bank’s compliance with the new Regulation E amendments may have an impact on the Bank’s revenue from overdraft service fees and non-sufficient funds (“NSF”) charges.

Many of the provisions of the Dodd-Frank Act are still pending various federal agencies to promulgate numerous and extensive implementing regulations over the next several years. Although the substance and scope of these regulations cannot be determined at this time, it is expected that the legislation and implementing regulations, particularly those provisions relating to the new Consumer Financial Protection Bureau, will increase the Bank’s operating and compliance costs as it is likely that the Bank’s existing regulatory agencies will adopt the same or similar consumer protections as the new Consumer Financial Protection Bureau will adopt.

On June 21, 2010, the federal banking agencies issued final guidance on incentive compensation. The final guidance is largely unchanged from the FRB’s preliminary guidance published in 2009, with the exception of a few adjustments/clarifications in response to feedback the FRB received during the open comment period. The guidance became effective on June 25, 2010 (the date published in the Federal Register, and applies to all banks. Except for the largest banking organizations, enforcement of this guidance will be handled through the supervisors’ regular risk-focused examination process. The guidance is principles-based, rather than prescriptive, and also identifies expectations of large banking organizations that go beyond what will be expected of community banks, and emphasizes that the application of the guidance should be scaled appropriately for the complexity of the organization and the extent to which incentive arrangements are utilized. The employees covered by the final guidance are senior executives and others who are responsible for oversight of the organization’s firm-wide activities or material business lines; individual employees, including non-executive employees, whose activities may expose the organization to material amounts of risk; and groups of employees who are subject to the same or similar incentive compensation arrangements and who, in the aggregate, may expose the organization to material amounts of risk, even if no individual employee is likely to expose the organization to material risk. The guidance provides for three principles for safe and sound incentive compensation arrangements:

 

   

Balanced Risk-Taking: Incentive compensation arrangements should balance risk and financial results in a manner that does not encourage employees to expose their organizations to imprudent risks;

 

   

Compatibility with Effective Controls and Risk-Management: A banking organization’s risk-management processes and internal controls should reinforce and support the development and maintenance of balanced incentive compensation arrangements;

 

   

Strong Corporate Governance: Banking organizations should have strong and effective corporate governance to help ensure sound compensation practices, including active and effective oversight by the board of directors.

 

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The Electronic Funds Transfer Act (the “EFTA”) provides a basic framework for establishing the rights, liabilities, and responsibilities of consumers who use electronic funds transfer (“EFT”) systems. The EFTA is implemented by the Federal Reserve’s Regulation E, which governs transfers initiated through ATMs, point-of-sale terminals, payroll cards, automated clearinghouse (“ACH”) transactions, telephone bill-payment plans, or remote banking services. Regulation E was amended in January 2010 to require consumers to opt in (affirmatively consent) to participation in the Bank’s overdraft service program for ATM and one-time debit card transactions before overdraft fees may be assessed on the consumer’s account. Notice of the opt-in right must be provided to all existing and new customers who are consumers, and the customer’s affirmative consent must be obtained, before charges may be assessed on the consumer’s account for paying such overdrafts.

The new rule provides bank customers with an ongoing right to revoke consent to participation in an overdraft service program for ATM and one-time debit card transactions, as opposed to being automatically enrolled in such a program. The new rule also prohibits banks from conditioning the payment of overdrafts for checks, ACH transactions, or other types of transactions that overdraw the consumer’s account on the consumer’s opting into an overdraft service for ATM and one-time debit card transactions. For customers who do not affirmatively consent to overdraft service for ATM and one-time debit card transactions, a bank must provide those customers with the same account terms, conditions, and features that it provides to consumers who do affirmatively consent, except for the overdraft service for ATM and one-time debit card transactions.

The mandatory compliance date for the Regulation E amendments is July 1, 2010 provided that the Bank may continue to assess overdraft service fees or charges on existing customer accounts prior to August 15, 2010, without obtaining the consumer’s affirmative consent. The Bank’s compliance with the new Regulation E amendments may have an impact on the Bank’s revenue from overdraft service fees and non-sufficient funds (“NSF”) charges.

In May 2009 the Helping Families Save Their Homes Act of 2009 was enacted to help consumers avoid mortgage foreclosures on their homes through certain loss mitigation actions including special forbearance, loan modification, pre-foreclosure sale, deed in lieu of foreclosure, support for borrower housing counseling, subordinate lien resolution, and borrower relocation. The new law permits the Secretary of Housing and Urban Development (HUD), for mortgages either in default or facing imminent default, to: (1) authorize the modification of such mortgages; and (2) establish a program for payment of a partial claim to a mortgagee who agrees to apply the claim amount to payment of a mortgage on a 1- to 4-family residence. In implementing the law, the Secretary of HUD is authorized to (1) provide compensation to the mortgagee for lost income on monthly mortgage payments due to interest rate reduction; (2) reimburse the mortgagee from a guaranty fund in connection with activities that the mortgagee is required to undertake concerning repayment by the mortgagor of the amount owed to HUD; (3) make payments to the mortgagee on behalf of the borrower, under terms defined by HUD; and (4) make mortgage modification with terms extended up to 40 years from the modification date. The new law also authorizes the Secretary of HUD to: (1) reassign the mortgage to the mortgagee; (2) act as a Government National Mortgage Association (GNMA, or Ginnie Mae) issuer, or contract with an entity for such purpose, in order to pool the mortgage into a Ginnie Mae security; or (3) resell the mortgage in accordance with any program established for purchase by the federal government of insured mortgages. The new law also amends the Foreclosure Prevention Act of 2008, with respect to emergency assistance for the redevelopment of abandoned and foreclosed homes (neighborhood stabilization), to authorize each state that has received certain minimum allocations and has fulfilled certain requirements, to distribute any remaining amounts to areas with homeowners at risk of foreclosure or in foreclosure without regard to the percentage of home foreclosures in such areas.

Also in May 2009, the Credit Card Act of 2009 was enacted to help consumers and ban certain practices of credit card issuers. The new law allows interest rate hikes on existing balances only under limited conditions, such as when a promotional rate ends, there is a variable rate or if the cardholder makes a late payment. Interest rates on new transactions can increase only after the first year. Significant changes in terms on accounts cannot occur without 45 days' advance notice of the change. The new law bans raising interest rates on customers based on their payment records with other unrelated credit issuers (such as utility companies and other creditors) for existing credit card balances, though card issuers would still be allowed to use universal default on future credit card balances if they give at least 45 days' advance notice of the change. The new law allows consumers to opt out of certain significant changes in terms on their accounts. Opting out means cardholders agree to close their accounts and pay off the balance under the old terms. They have at least five years to pay the balance. Credit card issuers will be banned from issuing credit cards to anyone under 21, unless they have adult co-signers on the accounts or can show proof they have enough income to repay the card debt.

 

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The new law requires card issuers to give card account holders "a reasonable amount of time" to make payments on monthly bills. That means payments would be due at least 21 days after they are mailed or delivered. Credit card issuers would no longer be able to set early morning or other arbitrary deadlines for payments. When consumers have accounts that carry different interest rates for different types of purchases payments in excess of the minimum amount due must go to balances with higher interest rates first. Consumers must "opt in" to over-limit fees. Those who opt out would have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. Fees charged for going over the limit must be reasonable. Finance charges on outstanding credit card balances would be computed based on purchases made in the current cycle rather than going back to the previous billing cycle to calculate interest charges. Fees on credit cards cannot exceed 25 percent of the available credit limit in the first year of the card.

On February 17, 2009, the American Recovery and Reinvestment Act of 2009 (“ARRA”) was enacted to provide stimulus to the struggling US economy. ARRA authorizes spending of $787 billion, including about $288 billion for tax relief, $144 billion for state and local relief aid, and $111 billion for infrastructure and science. In addition, ARRA includes additional executive compensation restrictions for recipients of funds from the US Treasury under the Troubled Assets Relief Program of the Emergency Economic Stimulus Act of 2008 (“EESA”).

EESA was amended by ARRA to provide additional incentive compensation restrictions for financial institutions receiving TARP funds and also require additional corporate governance provisions with respect to limiting golden parachutes, lavish expenditures and requiring officer certifications of compliance and clawbacks for improperly earned incentive compensation at such institutions.

In addition, EESA as amended by ARRA provides that for any TARP recipient, its annual meeting materials shall include a nonbinding shareholder approval proposal of executive compensation for shareholders to vote.

ARRA also provides $730 million to the SBA and makes changes to the agency’s lending and investment programs so that they can reach more small businesses that need help. The funding includes:

 

   

$375 million for temporarily eliminating fees on SBA-backed loans and raising SBA's guarantee percentage on some loans to 90 percent.

 

   

$255 million for a new loan program to help small businesses meet existing debt payments

 

   

$30 million for expanding SBA’s Microloan program, enough to finance up to $50 million in new lending and $24 million in technical assistance grants to microlenders.

On January 1, 2012, SB 664 (Committee on Banking and Financial Institutions, Chapter 243, Statutes of 2011) became operative. While some substantive changes were included in this legislation due to the passage of the Dodd-Frank federal legislation and some technical corrections that resulted from earlier amendments to the Code, the majority of the work involved in SB 664 was to reorder the section numbering in the Code. Among other things, the law requires a bank that establishes a branch office in this state in accordance with the National Bank Act, as amended by the Dodd-Frank Act to provide a specified notice to the Commissioner of DFI within 10 days of the establishment, relocation, or redesignation of offices.

In 2010, California SB 931 was enacted and provides that the first lien holder of a California residential loan accepts as full payment and satisfaction of such lien after the successful completion of the short sale of such residence, and furthermore such lender is prevented from pursuing a deficiency against the noncorporate borrower. In 2011, the benefits of SB 931 was extended to such borrowers with a second or subordinate lien in SB458 where such lien holder agreed to the short sale.

In California, the enactment of AB329 in 2009, the Reverse Mortgage Elder Protection Act of 2009 prohibits a lender or any other person who participates in the origination of the mortgage from participation in, being associated with, or employing any party that participates in or is associated with any other financial or insurance activity or referring a prospective borrower to anyone for the purchase of other financial or insurance products; and imposes certain disclosure requirements on the lender.

 

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The enactment of AB1160 in 2009, requires a supervised financial institution in California that negotiates primarily in any of a number of specified languages in the course of entering into a contract or agreement for a loan or extension of credit secured by residential real property, to deliver, prior to the execution of the contract or agreement, and no later than 3 business days after receiving the written application, a specified form in that language summarizing the terms of the contract or agreement; provides for administrative penalties for violations; and requires the California Department of Corporations and the Department of Financial Institutions to create a form for providing translations and make it available in Spanish, Chinese, Tagalog, Vietnamese and Korean. The statute becomes operative on July 1, 2010, or 90 days after issuance of the form, whichever occurs later.

The enactment of AB 1291 in 2009 makes changes to the California Unclaimed Property Law including (among other things): allowing electronic notification to customers who have consented to electronic notice; requiring that notices contain certain information and allow the holder to provide electronic means to enable the owner to contact the holder in lieu of returning the prescribed form to declare the owner’s intent; authorizing the holder to give additional notices; and requiring, beginning January 1, 2011, a banking or financial organization to provide a written notice regarding escheat at the time a new account or safe deposit box is opened.

The enactment of SB306 makes specified changes to clarify existing law related to filing a notice of default on residential real property in California, including (among other things): clarifying that the provisions apply to mortgages and deeds of trust recorded from January 1, 2003 through December 31, 2007, secured by owner-occupied 3 4 residential real property containing no more than 4 dwelling units; revising the declaration to be filed with the notice of default; specifying how the loan servicers have to maximize net present value under their pooling and servicing agreements applies to certain investors; specifying how and when the notice to residents of property subject to foreclosure is to be mailed; and extending the time during which the notice of sale must be recorded from 14 to 20 days. The bill also makes certain changes related to short-pay agreements and short-pay demand statements.

On February 20, 2009, Governor Schwarzenegger signed ABX2 7 and SBX2 7, which established the California Foreclosure Prevention Act. The California Foreclosure Prevention Act modifies the foreclosure process to provide additional time for borrowers to work out loan modifications while providing an exemption for mortgage loan servicers that have implemented a comprehensive loan modification program. Civil Code Section 2923.52 requires an additional 90 day period beyond the period already provided before a Notice of Sale can be given in order to allow all parties to pursue a loan modification to prevent foreclosure of loans meeting certain criteria identified in that section.

A mortgage loan servicer who has implemented a comprehensive loan modification program may file an application for exemption from the provisions of Civil Code Section 2923.52. Approval of this application provides the mortgage loan servicer an exemption from the additional 90-day period before filing the Notice of Sale when foreclosing on real property covered by the new law.

Recent Accounting Pronouncements

See Note 3 – “Summary of Significant Accounting Policies – Adoption of New Accounting Standards” of the Company’s Consolidated Financial Statements in Item 8 – Financial Statements and Supplementary Data of this Annual Report on Form 10K for information related to recent accounting pronouncements.

 

ITEM 1A. RISK FACTORS

As a smaller reporting company we are not required to provide the information required by this item.

 

ITEM 1B. UNRESOLVED STAFF COMMENTS

No comments have been submitted to the registrant by the staff of the Securities Exchange Commission.

 

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ITEM 2. PROPERTIES

Of the Company’s eleven depository branches, ten are owned and one is leased. The Company also leases one lending office and one administrative office, and owns four administrative facilities.

 

Owned Properties

35 South Lindan Avenue

   32 Central Avenue    80 W. Main St.

Quincy, California (1)

   Quincy, California (1)    Quincy, California (3)

424 N. Mill Creek

   336 West Main Street    120 North Pine Street

Quincy, California (1)

   Quincy, California    Portola, California

43163 Highway 299E

   121 Crescent Street    255 Main Street

Fall River Mills, California

   Greenville, California    Chester, California

510 North Main Street

   3000 Riverside Drive    8475 North Lake Boulevard

Alturas, California

   Susanville, California    Kings Beach, California

11638 Donner Pass Road

   2175 Civic Center Drive   

Truckee, California

   Redding, California   

 

Leased Properties

243 North Lake Boulevard

   1755 E. Plumb Lane, Suite 270    470 Nevada St., Suite 108

Tahoe City, California

   Reno, Nevada (1)    Auburn, California (2)

 

(1) Non-branch administrative or credit administrative offices.
(2) Commercial lending office.
(3) Leased to a third party.

Total rental expenses under all leases, including premises, totaled $153,000, $150,000 and $20,000, in 2012, 2011 and 2010 respectively. The decline in rental expense during 2010 resulted from the purchase of our Redding branch building on March 31, 2010. Previously we had leased this building. Under the terms of the lease agreement we were provided free rent for a period of time; however, in accordance with accounting principles we recognized monthly rent expense equal to the total payments required under the lease dividend by the term of the lease in months. At the time of the purchase we reversed this accrual recognizing a $184 thousand reduction in rental expense. The expiration dates of the leases vary, with the first such lease expiring during 2012 and the last such lease expiring during 2015.

Future minimum lease payments in thousands of dollars are as follows:

 

Year Ending

December 31,

      

2013

   $ 91,000   

2014

     60,000   

2015

     31,000   
  

 

 

 
   $ 182,000   
  

 

 

 

The Company maintains insurance coverage on its premises, leaseholds and equipment, including business interruption and record reconstruction coverage. The branch properties and non-branch offices are adequate, suitable, in good condition and have adequate parking facilities for customers and employees. The Company and Bank are limited in their investments in real property under Federal and state banking laws. Generally, investments in real property are either for the Company and Bank use or are in real property and real property interests in the ordinary course of the Bank’s business.

 

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ITEM 3. LEGAL PROCEEDINGS

From time to time, the Company and/or its subsidiary are a party to claims and legal proceedings arising in the ordinary course of business. In the opinion of the Company's management, the amount of ultimate liability with respect to such proceedings will not have a material adverse effect on the financial condition or results of operations of the Company taken as a whole.

 

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

 

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PART II

 

ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCK-HOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.

The Company’s common stock is quoted on the NASDAQ Capital Market under the ticker symbol "PLBC". As of December 31, 2012, there were 4,776,339 shares of the Company’s stock outstanding held by approximately 1,640 shareholders of record as of the same date. The following table shows the high and low sales prices for the common stock, for each quarter as reported by Yahoo Finance.

 

Quarter

   Common
Dividends
     High      Low  

4th Quarter 2012

     —         $  4.37       $  3.00   

3rd Quarter 2012

     —         $ 3.94       $ 2.59   

2nd Quarter 2012

     —         $ 4.18       $ 2.67   

1st Quarter 2012

     —         $ 4.22       $ 1.84   

4th Quarter 2011

     —         $ 2.92       $ 1.63   

3rd Quarter 2011

     —         $ 2.72       $ 1.46   

2nd Quarter 2011

     —         $ 2.85       $ 1.94   

1st Quarter 2011

     —         $ 4.00       $ 1.85   

Dividends paid to shareholders by the Company are subject to restrictions set forth in California General Corporation Law, which provides that a corporation may make a distribution to its shareholders if retained earnings immediately prior to the dividend payout are at least equal to the amount of the proposed distribution. As a bank holding company without significant assets other than its equity position in the Bank, the Company’s ability to pay dividends to its shareholders depends primarily upon dividends it receives from the Bank.

It is the policy of the Company to periodically distribute excess retained earnings to the shareholders through the payment of cash dividends. Such dividends help promote shareholder value and capital adequacy by enhancing the marketability of the Company’s stock. All authority to provide a return to the shareholders in the form of a cash or stock dividend or split rests with the Board of Directors (the “Board). The Board will periodically, but on no regular schedule and in accordance with regulatory restrictions, if any, review the appropriateness of a cash dividend payment. No common cash dividends were paid in 2012 or 2011 and none are anticipated to be paid in 2013.

The Company is subject to various restrictions on the payment of dividends. See Note 2 “Regulatory Matters” and Note 13 “Shareholders’ Equity – Dividend Restrictions” of the Company’s Consolidated Financial Statements in Item 8 – Financial Statements and Supplementary Data of this Annual Report on Form 10K.

On January 30, 2009, under the Capital Purchase Program, the Company entered into a Letter Agreement (the “Purchase Agreement”) with the United States Department of the Treasury (“Treasury”), pursuant to which the Company issued and sold (i) 11,949 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “Preferred Shares”) and (ii) a ten-year warrant to purchase up to 237,712 shares of the Company’s common stock, no par value at an exercise price, subject to anti-dilution adjustments, of $7.54 per share, for an aggregate purchase price of $11,949,000 in cash. The Series A Preferred Stock and the Warrant were issued in a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended. As described in the following paragraph the Purchase Agreement contains provisions that restrict the payment of dividends on Plumas Bancorp common stock and restrict the Company’s ability to repurchase Plumas Bancorp common stock.

Under the Purchase Agreement, prior to January 30, 2012, unless the Company has redeemed the Preferred Shares, or the Treasury has transferred the Preferred Shares to a third party, the consent of the Treasury will be required for the Company to: (1) declare or pay any dividend or make any distribution on shares of the Common Stock (other than regular quarterly cash dividends of not more than $0.04 per share or regular semi-annual cash dividends of not more than $0.08 per share); or (2) redeem, purchase or acquire any shares of Common Stock or other equity or capital securities, other than in connection with benefit plans consistent with past practice and certain other circumstances specified in the Purchase Agreement.

 

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Securities Authorized for Issuance under Equity Compensation Plans. The following table sets forth securities authorized for issuance under equity compensation plans as of December 31, 2012.

 

Plan Category    Number of securities to
be issued upon exercise
of outstanding options
(a)
     Weighted-average
exercise price of
outstanding options
(b)
     Number of securities remaining
available for future issuance
under equity compensation
plans (excluding securities
reflected in column (a))

(c)
 

Equity compensation plans approved by security holders

     419,806       $ 8.67         0   

Equity compensation plans not approved by security holders

     None         Not Applicable         None   
  

 

 

    

 

 

    

 

 

 

Total

     419,806       $ 8.67         0   
  

 

 

    

 

 

    

 

 

 

For additional information related to the above plans see Note 13 of the Company’s Consolidated Financial Statements in Item 8 – Financial Statements and Supplementary Data of this Annual Report on Form 10K.

Issuer Purchases of Equity Securities. There were no purchases of Plumas Bancorp common stock by the Company during 2012.

 

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ITEM 6. SELECTED FINANCIAL DATA

The following table presents a summary of selected financial data and should be read in conjunction with the Company’s consolidated financial statements and notes thereto included under Item 8 – Financial Statements and Supplementary Data.

 

     At or for the year ended December 31,  
     2012     2011     2010     2009     2008  
     (dollars in thousands except per share information)  

Statement of Operations

          

Interest income

   $ 18,425      $ 18,668      $ 20,680      $ 22,836      $ 25,440   

Interest expense

     1,274        1,848        3,147        3,655        5,364   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income

     17,151        16,820        17,533        19,181        20,076   

Provision for loan losses

     2,350        3,500        5,500        14,500        4,600   

Noninterest income

     6,596        7,162        8,468        5,664        5,091   

Noninterest expense

     18,377        19,246        19,141        26,266        20,475   

Provision for (benefit from) income taxes

     1,070        295        389        (6,775     (212
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income (loss)

   $ 1,950      $ 941      $ 971      $ (9,146   $ 304   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Preferred Stock dividends and discount accretion

     684        684        684        628        —     
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net income (loss) available to common shareholders

   $ 1,266      $ 257      $ 287      $ (9,774   $ 304   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance sheet (end of period)

          

Total assets

   $ 477,802      $ 455,349      $ 484,480      $ 528,117      $ 457,175   

Total loans

   $ 315,057      $ 293,865      $ 314,200      $ 332,678      $ 366,017   

Allowance for loan losses

   $ 5,686      $ 6,908      $ 7,324      $ 9,568      $ 7,224   

Total deposits

   $ 411,562      $ 391,140      $ 424,887      $ 433,255      $ 371,493   

Total shareholders’ equity

   $ 41,850      $ 39,634      $ 37,988      $ 38,231      $ 35,437   

Balance sheet (period average)

          

Total assets

   $ 464,609      $ 467,354      $ 500,082      $ 490,000      $ 447,720   

Total loans

   $ 301,799      $ 302,841      $ 323,906      $ 354,482      $ 355,416   

Total deposits

   $ 401,110      $ 407,982      $ 430,777      $ 403,896      $ 382,279   

Total shareholders’ equity

   $ 41,023      $ 39,244      $ 38,941      $ 43,839      $ 37,343   

Capital ratios

          

Leverage ratio

     10.3     9.8     8.9     7.9     9.8

Tier 1 risk-based capital

     13.9     13.7     12.7     10.4     11.0

Total risk-based capital

     15.1     15.0     13.9     11.6     12.2

Asset quality ratios

          

Nonperforming loans/total loans

     4.35     5.73     8.07     4.30     7.31

Nonperforming assets/total assets

     3.98     5.60     7.07     4.84     6.78

Allowance for loan losses/total loans

     1.80     2.35     2.33     2.88     1.97

Net loan charge-offs

   $ 3,572      $ 3,916      $ 7,744      $ 12,156      $ 1,587   

Performance ratios

          

Return (loss) on average assets

     0.42     0.20     0.19     (1.87 )%      0.07

Return (loss) on average common equity

     4.3     0.9     1.1     (29.5 )%      0.8

Return (loss) on average equity

     4.8     2.4     2.5     (20.9 )%      0.8

Net interest margin

     4.18     4.08     4.24     4.52     4.99

Loans to deposits

     76.6     75.1     73.9     76.8     98.5

Efficiency ratio

     77.4     80.3     73.6     105.7     81.4

Per share information

          

Basic earnings (loss)

   $ 0.26      $ 0.05      $ 0.06      $ (2.05   $ 0.06   

Diluted earnings (loss)

   $ 0.26      $ 0.05      $ 0.06      $ (2.05   $ 0.06   

Common cash dividends

   $ 0.00      $ 0.00      $ 0.00      $ 0.00      $ 0.24   

Dividend payout ratio

     —       —       —       —       400

Book value per common share

   $ 6.28      $ 5.83      $ 5.51      $ 5.58      $ 7.42   

Common shares outstanding at period end

     4,776,339        4,776,339        4,776,339        4,776,339        4,775,339   

 

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ITEM 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

General

We are a bank holding company for Plumas Bank, a California state-chartered commercial bank. We derive our income primarily from interest received on real estate related, commercial and consumer loans and, to a lesser extent, interest on investment securities, fees received in connection with servicing deposit and loan customers and fees from the sale of loans. Our major operating expenses are the interest we pay on deposits and borrowings and general operating expenses. We rely on locally-generated deposits to provide us with funds for making loans.

We are subject to competition from other financial institutions and our operating results, like those of other financial institutions operating in California, are significantly influenced by economic conditions in California, including the strength of the real estate market. In addition, both the fiscal and regulatory policies of the federal and state government and regulatory authorities that govern financial institutions and market interest rates also impact the Bank’s financial condition, results of operations and cash flows.

Critical Accounting Policies

Our accounting policies are integral to understanding the financial results reported. Our most complex accounting policies require management’s judgment to ascertain the valuation of assets, liabilities, commitments and contingencies. We have established detailed policies and internal control procedures that are intended to ensure valuation methods are applied in an environment that is designed and operating effectively and applied consistently from period to period. The following is a brief description of our current accounting policies involving significant management valuation judgments.

Allowance for Loan Losses. The allowance for loan losses is an estimate of credit losses inherent in the Company's loan portfolio that have been incurred as of the balance-sheet date. The allowance is established through a provision for loan losses which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of two primary components, specific reserves related to impaired loans and general reserves for inherent losses related to loans that are collectively evaluated for impairment.

We evaluate our allowance for loan losses quarterly. We believe that the allowance for loan losses is a “critical accounting estimate” because it is based upon management’s assessment of various factors affecting the collectability of the loans, including current economic conditions, past credit experience, delinquency status, the value of the underlying collateral, if any, and a continuing review of the portfolio of loans.

We cannot provide you with any assurance that economic difficulties or other circumstances which would adversely affect our borrowers and their ability to repay outstanding loans will not occur which would be reflected in increased losses in our loan portfolio, which could result in actual losses that exceed reserves previously established.

Other Real Estate Owned. Other real estate owned (OREO) represents properties acquired through foreclosure or physical possession. OREO is initially recorded at fair value less costs to sell when acquired. Write-downs to fair value at the time of transfer to OREO is charged to allowance for loan losses. Subsequent to foreclosure, we periodically evaluate the value of OREO held for sale and record a valuation allowance for any subsequent declines in fair value less selling costs. Subsequent declines in value are charged to operations. Fair value is based on our assessment of information available to us at the end of a reporting period and depends upon a number of factors, including our historical experience, economic conditions, and issues specific to individual properties. Our evaluation of these factors involves subjective estimates and judgments that may change.

Income Taxes. The Company files its income taxes on a consolidated basis with its subsidiary. The allocation of income tax expense (benefit) represents each entity's proportionate share of the consolidated provision for income taxes.

 

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Deferred income taxes reflect the estimated future tax effects of temporary differences between the reported amount of assets and liabilities for financial reporting purposes and such amounts as measured by tax laws and regulations. We use an estimate of future earnings to support our position that the benefit of our deferred tax assets will be realized. A valuation allowance is recognized if, based on the weight of available evidence, management believes it is more likely than not that some portion or all of the deferred tax assets will not be realized. If future income should prove non-existent or less than the amount of the deferred tax assets within the tax years to which they may be applied, the asset may not be realized and our net income will be reduced.

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

The following discussion is designed to provide a better understanding of significant trends related to the Company's financial condition, results of operations, liquidity and capital. It pertains to the Company's financial condition, changes in financial condition and results of operations as of December 31, 2012 and 2011 and for each of the three years in the period ended December 31, 2012. The discussion should be read in conjunction with the Company's audited consolidated financial statements and notes thereto and the other financial information appearing elsewhere herein.

Overview

The Company recorded net income of $1.95 million for the year ended December 31, 2012, a 107% increase over net income of $941 thousand during the year ended December 31, 2011.

Net interest income increased by $331 thousand from $16.8 million during 2011 to $17.2 million for the year ended December 31, 2012. This increase in net interest income resulted from a decrease in interest expense of $574 thousand partially offset by a decrease in interest income of $243 thousand. The provision for loan losses declined by $1.1 million from $3.5 million during 2011 to $2.4 million during 2012 resulting in an increase in net interest income after provision for loan losses of $1.5 million.

During the year ended December 31, 2012 non-interest income decreased by $566 thousand to $6.6 million, from $7.2 million during the year ended December 31, 2011. This decrease was related to declines of $615 thousand in gain on sale of loans and $263 thousand in gain on sale of securities partially offset by an increase of $140 thousand in service charge income and a net increase in all other categories of non-interest income totaling $172 thousand.

We continue to achieve savings in many categories of non-interest expense resulting in a reduction in non-interest expense of $869 thousand from $19.2 million during the twelve months ended December 31, 2011 to $18.4 million during 2012. Reductions of $227 thousand in salary and benefits expense, $486 thousand in FDIC insurance, $590 thousand in loss on sale of OREO, $235 thousand in OREO expense, and $86 thousand in postage were partially offset by an increase in the provision for changes in valuation of OREO of $328 thousand, an increase in outside service fees of $233 thousand, an increase in professional fees of $145 thousand and an increase in insurance expense of $78 thousand.

The provision for income taxes increased from $295 thousand in 2011 to $1.1 million during the year ended December 31, 2012.

 

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Net income allocable to common shareholders increased by $1 million from $257 thousand during the year ended December 31, 2011 to $1.3 million during 2012. Income allocable to common shareholders is calculated by subtracting dividends and discount amortized on preferred stock from net income.

Total assets at December 31, 2012 were $478 million, an increase of $22.5 million from $455 million at December 31, 2011. Increases included $23.0 million in investments and $22.8 million in net loans. These were partially offset by declines of $18.4 million in cash, $3.3 million in OREO and $1.6 million in other assets.

Core deposit growth has been strong in 2012 as evidenced by increases of $17.7 million in demand deposits and $11.1 million in savings and money market accounts. Time deposits declined by $9.8 million, much of which we attribute to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits.

Shareholders’ equity increased by $2.2 million from $39.6 million at December 31, 2011 to $41.8 million at December 31, 2012. This increase includes the $1.95 million earned in 2012, a $171 thousand increase in unrealized gain on investment securities and a $95 thousand increase in common stock related to stock-based compensation expense.

The return on average assets was 0.42% for 2012, up from 0.20% for 2011. The return on average common equity was 4.3% for 2012, up from 0.9% for 2011.

 

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Results of Operations

Net Interest Income

The following table presents, for the years indicated, the distribution of consolidated average assets, liabilities and shareholders' equity. Average balances are based on average daily balances. It also presents the amounts of interest income from interest-earning assets and the resultant yields expressed in both dollars and yield percentages, as well as the amounts of interest expense on interest-bearing liabilities and the resultant cost expressed in both dollars and rate percentages. Nonaccrual loans are included in the calculation of average loans while nonaccrued interest thereon is excluded from the computation of yields earned:

 

     Year ended December 31,  
     2012     2011     2010  
     Average
balance
     Interest
income/
expense
    

Rates
earned

/ paid

    Average
balance
     Interest
income/
expense
    

Rates
earned

/ paid

    Average
balance
     Interest
income/
expense
    

Rates
earned

/ paid

 
     (dollars in thousands)  

Assets

                        

Interest bearing deposits

   $ 38,783       $ 106         0.27   $ 49,628       $ 124         0.25   $ 19,808       $ 48         0.24

Investment securities(1)

     69,664         892         1.28        59,439         1,144         1.92        69,357         1,772         2.55   

Total loans (2)(3)

     301,799         17,427         5.77        302,841         17,400         5.75        323,906         18,860         5.82   
  

 

 

    

 

 

      

 

 

    

 

 

      

 

 

    

 

 

    

Total earning assets

     410,246         18,425         4.49     411,908         18,668         4.53     413,071         20,680         5.01
     

 

 

         

 

 

         

 

 

    

Cash and due from banks

     14,560              13,204              38,945         

Other assets

     39,803              42,242              48,066         
  

 

 

         

 

 

         

 

 

       

Total assets

   $ 464,609            $ 467,354            $ 500,082         
  

 

 

         

 

 

         

 

 

       

Liabilities and shareholders’ equity

                        

Interest bearing demand deposits

   $ 82,648         111         0.13   $ 93,925         187         0.20   $ 101,519         382         0.38

Money market deposits

     42,957         91         0.21        40,050         115         0.29        42,514         221         0.52   

Savings deposits

     68,755         132         0.19        58,996         106         0.18        51,011         86         0.17   

Time deposits

     76,138         513         0.67        96,961         1,061         1.09        124,810         2,007         1.61   

Short-term borrowings

     —           —           —          —           —           —          986         5         0.51   

Long-term borrowings

     —           —           —          —           —           —          9,973         130         1.30   

Junior subordinated debentures

     10,310         344         3.34        10,310         326         3.16        10,310         312         3.03   

Other

     6,003         83         1.38        3,188         53         1.66        123         4         3.25   
  

 

 

    

 

 

      

 

 

    

 

 

      

 

 

    

 

 

    

Total interest bearing liabilities

     286,811         1,274         0.44     303,430         1,848         0.61     341,246         3,147         0.92
     

 

 

         

 

 

         

 

 

    

Noninterest bearing demand deposits

     130,612              118,050              110,923         

Other liabilities

     6,163              6,630              8,972         

Shareholders’ equity

     41,023              39,244              38,941         
  

 

 

         

 

 

         

 

 

       

Total liabilities and shareholders’ equity

   $ 464,609            $ 467,354            $ 500,082         
  

 

 

         

 

 

         

 

 

       

Net interest income

      $ 17,151            $ 16,820            $ 17,533      
     

 

 

         

 

 

         

 

 

    

Net interest spread (4)

           4.05           3.92           4.09

Net interest margin (5)

           4.18           4.08           4.24

 

(1) Interest income is reflected on an actual basis and is not computed on a tax-equivalent basis.
(2) Average nonaccrual loan balances of $14.6 million for 2012, $20.2 million for 2011 and $18.8 million for 2010 are included in average loan balances for computational purposes.
(3) Loan origination fees and costs are included in interest income as adjustments of the loan yields over the life of the loan using the interest method. Loan interest income includes net loan fees (costs) of $(75,000), $49,000 and $(20,000) for 2012, 2011 and 2010, respectively.
(4) Net interest spread represents the average yield earned on interest-earning assets less the average rate paid on interest-bearing liabilities.
(5) Net interest margin is computed by dividing net interest income by total average earning assets.

 

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The following table sets forth changes in interest income and interest expense, for the years indicated and the amount of change attributable to variances in volume, rates and the combination of volume and rates based on the relative changes of volume and rates:

 

     2012 compared to 2011
Increase (decrease) due to change in:
    2011 compared to 2010
Increase (decrease) due to change in:
 
     Average
Volume(1)
    Average
Rate(2)
    Mix(3)     Total     Average
Volume(1)
    Average
Rate(2)
    Mix(3)     Total  
     (dollars in thousands)  

Interest-earning assets:

                

Interest bearing deposits

   $ (27   $ 12      $ (3   $ (18   $ 72      $ 2      $ 2      $ 76   

Investment securities

     197        (383     (66     (252     (253     (437     62        (628

Loans

     (60     87        —          27        (1,226     (250     16        (1,460
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total interest income

     110        (284     (69     (243     (1,407     (685     80        (2,012
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Interest-bearing liabilities:

                

Interest bearing demand deposits

     (22     (61     7        (76     (28     (180     13        (195

Money market deposits

     8        (30     (2     (24     (13     (99     6        (106

Savings deposits

     18        7        1        26        13        6        1        20   

Time deposits

     (227     (407     86        (548     (448     (641     143        (946

Junior subordinated debentures

     —          18        —          18        —          14        —          14   

Short-term borrowings

     —          —          —          —          (5     (5     5        (5

Long-term borrowings

     —          —          —          —          (130     (130     130        (130

Other borrowings

     47        (9     (8     30        100        (2     (49     49   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total interest expense

     (176     (482     84        (574     (511     (1,037     249        (1,299
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net interest income

   $ 286      $ 198      $ (153   $ 331      $ (896   $ 352      $ (169   $ (713
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(1) The volume change in net interest income represents the change in average balance multiplied by the previous year’s rate.
(2) The rate change in net interest income represents the change in rate multiplied by the previous year’s average balance.
(3) The mix change in net interest income represents the change in average balance multiplied by the change in rate.

2012 compared to 2011. Net interest income is the difference between interest income and interest expense. Net interest income, on a nontax-equivalent basis, was $17.2 million for the year ended December 31, 2012, up $331 thousand, or 2%, from $16.8 million for 2011. A decrease of $243 thousand, or 1.3% in interest income, from $18.7 million during 2011 to $18.4 million during the current year, was offset by a decline in interest expense of $574 thousand.

Interest and fees on loans increased by $27 thousand; however, this was offset by a $252 thousand decline in interest on investment securities and an $18 thousand decline in interest on deposits. The increase in interest and fees on loans was related to an increase in yield partially offset by a decrease in average loan balances. Interest on investments securities declined related to a decrease in yield partially offset by an increase in average balance.

Interest and fees on loans was $17.4 million for the years ended December 31, 2012 and 2011. The average loan balances were $301.8 million for 2012, down $1.0 million from the $302.8 million for 2011. This decline in loans was mostly related to normal pay downs and prepayments, loan charge-offs and real estate acquired through foreclosure mostly offset by growth in our auto loan and commercial real estate loan portfolios. The average yields on loans were 5.77% for 2012 up from 5.75% for 2011.

As a result of a decrease in yield of 64 basis points from 1.92% during 2011 to 1.28% during 2012, interest on investment securities decreased by $252 thousand. The effect of the decrease in yield on interest income was partially offset by an increase in average investment securities of $10.2 million from $59.4 million during 2011 to $69.6 million during 2012. The decline in yield is primarily related to the replacement of matured and sold investment securities with new investments with market yields below those which they replaced.

Interest income on interest-bearing deposits, which totaled $106 thousand in 2012 and $124 thousand in 2011, mostly relates to interest on cash balances held at the Federal Reserve.

 

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Interest expense on deposits decreased by $622 thousand, or 42%, to $847 thousand for the twelve months ended December 31, 2012, down from $1.5 million in 2011. This decrease primarily relates to decreases in the average balance and rate paid on time and interest bearing demand deposits (NOW) and a decline in the rate paid on money market accounts.

Interest on time deposits declined by $548 thousand. Average time deposits declined by $20.9 million from $97.0 million during 2011 to $76.1 million for the year ended December 31, 2012. The decrease in average time deposits is mostly related to a promotional time deposit product we began offering in June, 2009 and continued to offer until April 30, 2010. During 2011 the average balance of promotional deposits was $21.8 million; these promotional time deposits had all matured by December 31, 2011. The average rate paid on promotional deposits during 2011 was 2%. In addition, the Bank has held down the rate paid on time deposits in 2012 as it has excess liquidity and does not need to pay for deposits at above market rates. The average rate paid on time deposits decreased from 1.09% during 2011 to 0.67% during the current twelve month period. This decrease primarily relates to a decline in market rates paid in the Company’s service area and the maturity of the higher rate promotional deposits.

Interest expense on NOW accounts declined by $76 thousand. Rates paid on NOW accounts declined by 7 basis points from 0.20% during 2011 to 0.13% during 2012, mostly related to a decline in market rates in the Company’s service area. Average balances declined by $11.3 million from 2011. During 2011 we significantly lowered the rate paid on local public agencies NOW accounts as we determined that the previous rate did not meet our profitability targets, as a result some of these deposits moved out of the Bank. During 2012 average public NOW accounts declined by $7.4 million from $24.3 million during 2011 to $16.9 million during the year ended December 21, 2012. At December 31, 2012 balances in this account type were $11.8 million. We do not expect significant additional declines in public NOW balances during 2013.

Interest expense on money market accounts decreased by $24 thousand related to a decrease in rate paid on these accounts of 8 basis points from 0.29% during 2011 to 0.21% during 2012. This was primarily related to a money market sweep product we offered in 2011. We no longer offer the money market sweep account having replaced it with a product that utilizes repurchase agreements during the third quarter of 2011. Average money market balances increased by $2.9 million from $40.0 million during 2011 to $42.9 million in 2012.

Interest expense on junior subordinated debentures, which increased by $18 thousand from 2011, fluctuates with changes in the 3-month London Interbank Offered Rate (LIBOR) rate.

Interest on other borrowings primarily relates to interest paid on repurchase agreements.

Net interest margin is net interest income expressed as a percentage of average interest-earning assets. As a result of the changes noted above, the net interest margin for 2012 increased 10 basis points to 4.18%, from 4.08% for 2011.

2011 compared to 2010. Net interest income, on a nontax-equivalent basis, was $16.8 million for the year ended December 31, 2011, a decline of $0.7 million, or 4.1%, from $17.5 million for 2010.

The overall change in net interest income was primarily a result of a decrease of $1.5 million in loan interest income and a decline of $628 thousand in interest income on investment securities. The decline in interest on loans was mostly related to a decline in average loans outstanding. Interest on investment securities declined related to a decrease in both yield and average balance. Partially offsetting these decreases in interest income was a decline in rates paid on the Company’s deposits and a decline in the average balance of time deposits, interest bearing demand deposits and long-term borrowings.

Interest income decreased $2.0 million, or 9.7%, to $18.7 million for the year ended December 31, 2011. Interest and fees on loans decreased by $1.5 million from $18.9 million for the year ended December 31, 2010 to $17.4 million for 2011. The average loan balances were $302.8 million for 2011, down $21.1 million from the $323.9 million for 2010. This decline in loans was mostly related to normal pay downs and prepayments, loan charge-offs, real estate acquired through foreclosure and our efforts to reduce the level of construction and land development loan balances. The average yields on loans were 5.75% for 2011 down from the 5.82% for 2010.

 

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Interest on investment securities decreased by $628 thousand resulting from a decrease in yield of 63 basis points and a decline in average investment securities of $9.9 million. The decline in yield is primarily related to the replacement of matured and sold investment securities with new investments with market yields below those which they replaced.

Interest income on other interest-earning assets, which totaled $124 thousand in 2011 and $48 thousand in 2010, relates to interest on cash balances held at the Federal Reserve.

Interest expense on deposits decreased by $1.2 million, or 46%, to $1.5 million for the twelve months ended December 31, 2011, down from $2.7 million in 2010. This decrease primarily relates to decreases in the average balance and rate paid on time deposits and a decline in the rate paid on demand deposit (NOW) and money market accounts.

Interest on time deposits declined by $946 thousand. Average time deposits declined by $27.8 million from $124.8 million during 2010 to $97.0 million for the year ended December 31, 2011. The decrease in time deposits is mostly related to promotional time deposits as previously discussed. The average rate paid on these promotional deposits during 2011 was 2%. The average rate paid on time deposits decreased from 1.61% during 2010 to 1.09% during 2011. This decrease primarily relates to a decline in market rates paid in the Company’s service area and the maturity of the higher rate promotional deposits.

Interest expense on NOW accounts declined by $195 thousand. Rates paid on NOW accounts declined by 18 basis points from 0.38% during 2010 to 0.20% during 2011, as we significantly lowered the rate paid on local public agencies NOW accounts. Although we lost deposits by lowering this rate; we continue to focus on the profitability of the public sweep accounts rather than growing public sweep balances.

Interest expense on money market accounts decreased by $106 thousand related primarily to a decrease in rate paid on these accounts of 23 basis points from 0.52% during 2010 to 0.29% during 2011. This was primarily related to a significant drop in the rates paid on our money market sweep product.

Interest on FHLB long term borrowings decreased by $130 thousand as there were no outstanding long term borrowings during 2011. Interest expense on junior subordinated debentures, which increased by $14 thousand from 2010, fluctuates with changes in the 3-month London Interbank Offered Rate (LIBOR) rate.

Interest on other borrowings in 2011 primarily relates to interest paid on repurchase agreements.

Net interest margin is net interest income expressed as a percentage of average interest-earning assets. As a result of the changes noted above, the net interest margin for 2011 decreased 16 basis points to 4.08%, from 4.24% for 2010.

Provision for Loan Losses

During the year ended December 31, 2012 we recorded a provision for loan losses of $2.35 million down $1.15 million from the $3.50 million provision recorded during 2011. See “Analysis of Asset Quality and Allowance for Loan Losses” for further discussion of loan quality trends and the provision for loan losses.

The allowance for loan losses is maintained at a level that management believes will be appropriate to absorb inherent losses on existing loans based on an evaluation of the collectability of the loans and prior loan loss experience. The evaluations take into consideration such factors as changes in the nature and volume of the portfolio, overall portfolio quality, review of specific problem loans, and current economic conditions that may affect the borrower's ability to repay their loan. The allowance for loan losses is based on estimates, and ultimate losses may vary from the current estimates. These estimates are reviewed periodically and, as adjustments become necessary, they are reported in earnings in the periods in which they become known.

Based on information currently available, management believes that the allowance for loan losses is appropriate to absorb potential risks in the portfolio. However, no assurance can be given that the Company may not sustain charge-offs which are in excess of the allowance in any given period.

 

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Non-Interest Income

The following table sets forth the components of non-interest income for the years ended December 31, 2012, 2011 and 2010.

 

     Years Ended December 31,      Change during Year  
     2012      2011      2010      2012     2011  
     (dollars in thousands)  

Service charges on deposit accounts

   $ 3,617       $ 3,477       $ 3,642       $ 140      $ (165

Gain on sale of loans, net

     1,324         1,939         1,055         (615     884   

Gain on sale of investments

     403         666         1,160         (263     (494

Earnings on bank owned life insurance policies

     345         352         351         (7     1   

Loan servicing fees

     215         202         188         13        14   

Customer service fees

     149         141         135         8        6   

Safe deposit box and night depository income

     65         66         66         (1     —     

Merchant processing

     24         15         141         9        (126

Sale of merchant processing portfolio

     —           —           1,435         —          (1,435

Other income

     454         304         295         150        9   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

 

Total non-interest income

   $ 6,596       $ 7,162       $ 8,468       $ (566   $ (1,306
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

 

2012 compared to 2011. During the twelve months ended December 31, 2012 non-interest income decreased by $566 thousand to $6.6 million from $7.2 million during 2011. The largest component of this decrease was a decrease of $615 thousand in gains on the sale of government guaranteed loans from $1.9 million during 2011 to $1.3 million during the year ended December 31, 2012. Beginning in the first quarter of 2011, related to a change in SBA requirements, guaranteed portions of SBA loans were no longer required to be sold with a 90 day premium recourse requirement. This resulted in recording gains on sales of loans during 2011 representing both loans sold during the twelve months ended December 31, 2011 and loans sold during the fourth quarter of 2010. In addition, gain on sale of loans during 2011benefited from a government program temporarily increasing the government guarantee in order to stimulate small business lending. The remaining decrease in non-interest income was related to a decline in gains on sale of investment securities from $666 thousand during the twelve months ended December 31, 2011 to $403 thousand during 2012. During the 2011 period proceeds of $29.4 million were generated on the sale of twenty-seven securities and during the 2012 proceeds of $20.8 million were received on the sale of twenty-five securities.

Service charges on deposit accounts increased by $140 thousand primarily related to an increase in use of overdraft protection services. During the fourth quarter of 2011 we introduced a new overdraft protection (ODP) program which we made available to a larger portion of our customer base than the prior program, resulting in an increase in service fee income. This new program has enabled us to increase income while strengthening our regulatory compliance over the ODP function. The increase in other non-interest income mostly relates to a $99 thousand adjustment to accrued life insurance.

2011 compared to 2010. During the year ended December 31, 2011 non-interest income decreased by $1.3 million to $7.2 million, from $8.5 million during the year ended December 31, 2010. This decrease was related to the sale of our merchant processing portfolio in 2010. During June 2010 we entered into an alliance with a world-wide merchant processing leader. In conjunction with this alliance we sold our merchant processing business, recording a one-time gain of $1.4 million. Related to this sale we experienced a decrease in merchant processing income of $126 thousand during the comparison periods. Service charges on deposit accounts declined by $165 thousand primarily related to a decline in overdraft fees as new regulations placed additional restrictions on the Bank in charging overdraft fees on ATM and Point of Sale transactions. Gain on sale of investments declined by $494 thousand. During the year ended December 31, 2011 we sold twenty-seven investment securities classified as available-for-sale for $29.4 million recognizing a $0.7 million gain on sale. During the 2010 period we sold sixty-five investment securities classified as available-for sale for $40.9 million and recorded a $1.2 million gain on sale.

 

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We chose to sell some of the securities in our investment portfolio in order to lock in gains; this had the additional benefit of partially offsetting some nonrecurring expense items such as losses on sale of OREO.

Partially offsetting these declines in income was an $884 thousand increase in gain on sale of government guaranteed loans. Gains on sale in 2011 were particularly strong related to two factors. First, during the first quarter of 2011 the SBA eliminated the recourse provision related to loan sales allowing us to record both gains on sales from loans sold during the fourth quarter of 2010 and the first quarter of 2011. In addition, many loans sold in 2011 were 90% guaranteed related to a temporary increase in guarantee percentage enacted on February 17, 2009 as part of the Recovery Act. Currently loans made through the SBA 7(a) program carry a 75% to 85% guarantee.

Non-Interest Expense

The following table sets forth the components of other non-interest expense for the years ended December 31, 2012, 2011 and 2010.

 

     Years Ended December 31,     Change during Year  
     2012      2011      2010     2012     2011  
     (dollars in thousands)  

Salaries and employee benefits

   $ 8,968       $ 9,195       $ 9,732      $ (227   $ (537

Occupancy and equipment

     3,023         3,088         3,096        (65     (8

Outside service fees

     1,503         1,270         1,212        233        58   

Provision for OREO losses

     907         579         356        328        223   

Professional fees

     875         730         587        145        143   

FDIC insurance

     613         1,099         1,009        (486     90   

Telephone and data communications

     308         331         338        (23     (7

Business development

     268         262         250        6        12   

Director compensation and retirement

     255         229         233        26        (4

Advertising and promotion

     251         236         252        15        (16

Armored car and courier

     224         225         239        (1     (14

Loan collection costs

     219         261         261        (42     —     

OREO costs

     187         422         573        (235     (151

Core deposit intangible

     173         173         173        —          —     

Stationery and supplies

     124         140         145        (16     (5

Insurance

     120         42         125        78        (83

Postage

     104         190         207        (86     (17

Loss (gain) on sale of OREO

     16         606         (43     (590     649   

Other operating expense

     239         168         396        71        (228
  

 

 

    

 

 

    

 

 

   

 

 

   

 

 

 

Total non-interest expense

   $ 18,377       $ 19,246       $ 19,141      $ (869   $ 105   
  

 

 

    

 

 

    

 

 

   

 

 

   

 

 

 

2012 compared to 2011. We continue to achieve savings in many categories of non-interest expense resulting in a reduction in non-interest expense of $869 thousand from $19.2 million during the twelve months ended December 31, 2011 to $18.4 million during 2012. Significant reductions in salary and benefits expense, FDIC insurance, loss on sale of OREO, OREO expense, and postage were partially offset by an increase in the provision for changes in valuation of OREO of $328 thousand, an increase in outside service fees of $233 thousand, an increase in professional fees of $145 thousand and an increase in insurance expense of $78 thousand.

Salaries and employee benefits decreased by $227 thousand related to a decline of $80 thousand in commission expense, $88 thousand in medical and dental insurance expense (group insurance), $50 thousand in workers compensation expense and an increase of $247 thousand in deferred loan origination costs partially offset by an increase of $92 thousand in salary continuation expense and $131 thousand in stock compensation expense. Commission expense, which relates to government-guaranteed lending personnel, decreased by $80 thousand consistent with the decline in government-guaranteed loan sales during the comparison periods. The decrease in group insurance was mostly related to a decline in employees enrolled in the insurance plans. The decrease in workers compensation was related to changing providers. Previously we were members of a small group plan and our premiums were adversely affected by claims within the group. We have exited this plan and have seen a considerable reduction in workers compensation premiums. Related to an increase in lending activity, the deferral of loan origination costs increased by $247 thousand.

 

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During 2012, related to a significant reduction in long term market interest rates, we reduced the discount rates used in calculating the present value of our salary continuation liabilities. This had the effect of increasing salary continuation expense by $195 thousand. Absent this adjustment salary continuation expense would have declined by $103 thousand, as salary continuation expense during 2011 included a one-time adjustment to reflect the early retirement of the Company’s Chief Credit officer. Employee stock compensation expense increased by $131 thousand from a credit of $38 thousand during 2011 to expense of $93 thousand during the current period. The credit in stock compensation expense during the 2011 period was related to a revision in the estimated forfeiture rate. We expect a reduction in stock compensation expense in 2013 as the unamortized balance continues to decline.

A decline of $486 thousand in FDIC insurance expense relates to a decline in the rate charged Plumas Bank by the FDIC. This decline in rate includes a change in the assessment base and assessment rate under new rules enacted pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. These new rules changed the assessment base from total deposits to average total assets less tangible capital, but also significantly lowered the assessment rates, causing a net favorable impact on our FDIC insurance premiums.

OREO represents real property taken by the Bank either through foreclosure or through a deed in lieu thereof from the borrower. Loss on sale of OREO totaled $16 thousand during the twelve months ended December 31, 2012, a decrease of $590 thousand from the $606 thousand incurred in 2011. In the second quarter of 2011 the Bank sold its largest OREO holding which represented approximately half of its OREO holdings at that time. The Bank incurred a $617 thousand loss on sale of this large OREO holding in 2011.

OREO expense declined by $235 thousand from $422 thousand during 2011 to $187 thousand for the year ended December 31, 2012. OREO expense benefited from a decline in OREO balances in 2012. In addition, 2011 OREO expense was adversely affected by significant cleanup costs on one property and considerable legal costs related to another property. Both of these properties where sold during 2011.

Postage declined by $86 thousand related to the outsourcing of our statement processing activities during 2012. Effective with the outsourcing, the cost of mailing statements, notices and similar documents is included in outside service costs.

When other real estate is acquired, any excess of the Bank’s recorded investment in the loan balance and accrued interest income over the estimated fair market value of the property less costs to sell is charged against the allowance for loan losses. A valuation allowance for losses on other real estate is maintained to provide for temporary declines in value. The allowance is established through a provision for subsequent losses on other real estate which is included in other expenses. Subsequent gains or losses on sales or write-downs resulting from permanent impairment are recorded in other income or expenses as incurred. The $907 thousand in OREO provision, an increase of $328 thousand from $579 thousand during the twelve months ended December 31, 2011, was related to a decline in the value of twenty-one properties based on appraisals received during 2012. Of these twenty-one properties, seven have been sold and the remaining fourteen represent 61% of the Bank’s OREO balance as of December 31, 2012.

The largest component of the $233 thousand increase in outside service costs was $112 thousand in costs related to the outsourcing of our statement processing operations in June, 2012. The Company anticipates meaningful savings, related to the statement outsourcing. During 2012 the Bank modernized its ATM network by purchasing new ATM machines which have the ability to accept currency and checks and provide an imaged receipt. A large portion of the remaining increase in outside service costs relates to maintaining these advanced machines which are considerably more complicated than our previous ATMs many of which were over ten years old. The $145 thousand increase in professional fees mostly relates to an increase in consulting costs in the Company’s data processing and network administration functions. Insurance expense was abnormally low during 2011 as it included the reversal of the accrual for split dollar life insurance for the Bank’s former Chief Credit Officer who forfeited his right to this insurance when he left the Bank prior to reaching the age of sixty-five.

 

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2011 compared to 2010. While we have achieved savings in many categories of non-interest expense these were offset in 2011 by an increase of $649 thousand in loss on sale of OREO. Non-interest expense increased by $105 thousand from $19.1 million during the year ended December 31, 2010 to $19.2 million during 2011.

Loss on sale of OREO totaled $606 thousand primarily related to the sale of one property. During June, 2011 the Bank sold its largest OREO holding which represented $4.3 million, or 48% of the total balance in OREO at January 1, 2011. The Bank incurred a $617 thousand loss on sale; however, management believes the loss was prudent given the significant affect this transaction had in decreasing nonperforming assets.

Outside service fees increased by $58 thousand which mostly relates to our on-line banking and bill payment platform. FDIC insurance costs increased related to an increase in the rate the FDIC charges Plumas Bank. Professional fees increased by $143 thousand the largest portion of which was related to an increase in consulting cost of $97 thousand. During the second half of 2011 we contracted with an outside party to provide assistance in the management of our nonperforming assets. Total costs incurred related to this consultant were $42 thousand. In addition we incurred $21 thousand in costs related to an outside management study.

The largest reduction in expense was a decrease of $537 thousand in salaries and employee benefits. Salary expense, excluding commissions, declined by $667 thousand mostly related to a reduction in staffing, during the second quarter of 2010, which affected most functional areas with the exception of government guaranteed lending and problem assets. On a full-time equivalent basis, we employed 142 persons at December 31, 2011 down from 146 at December 31, 2010 and 163 at December 31, 2009. Commission expense, which relates to government guaranteed lending personnel and is included in salary expense, increased by $318 thousand resulting from the increase in government guaranteed loan gains.

The provision for OREO losses increased by $223 thousand related to one land development property that, based on a 2011 appraisal, declined in value by $417 thousand. At December 31, 2011, this property had a value of approximately $1 million. OREO carrying costs declined by $151 thousand from $573 thousand during 2010 to $422 thousand during 2011. These savings were primarily related to property taxes on OREO properties and refunds on prior year tax payments related to some of our OREO properties being reassessed.

Insurance expense declined by $83 thousand primarily related to the forfeiture of retirement split dollar life insurance benefits by one of our executive officers who chose to terminate his employment during 2011 prior to age sixty-five.

Other non-interest expense declined by $228 thousand related to a $226 thousand prepayment penalty incurred upon the prepayment of our long-term Federal Home Loan Bank borrowings during July, 2010.

Provision for Income Taxes. The Company recorded an income tax provision of $1.1 million, or 35.4% of pre-tax income for the year ended December 31, 2012. During 2011 the Company recorded an income tax provision of $295 thousand, or 23.9% of pre-tax income for the year ended December 31, 2011. The percentages for 2012 and 2011 differ from the statutory rate as tax exempt income such as earnings on Bank owned life insurance, municipal loan interest, and in the state of California enterprise zone interest decrease taxable income.

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The determination of the amount of deferred income tax assets which are more likely than not to be realized is primarily dependent on projections of future earnings, which are subject to uncertainty and estimates that may change given economic conditions and other factors. The realization of deferred income tax assets is assessed and a valuation allowance is recorded if it is "more likely than not" that all or a portion of the deferred tax asset will not be realized. "More likely than not" is defined as greater than a 50% chance. All available evidence, both positive and negative is considered to determine whether, based on the weight of that evidence, a valuation allowance is needed.

 

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As part of its analysis, the Company considered the following positive evidence:

 

   

The Company has a long history of earnings and profitability.

 

   

The Company has been profitable for each of the years in the three year period ended December 31, 2012. Additionally, the Company is projecting future taxable and book income will be generated by operations.

 

   

The volume of potential problem loans in the Company’s loan portfolio has significantly decreased.

 

   

The Company does not have a history of net operating losses carry forwards or tax credits expiring unused.

Based upon the analysis of available evidence, management has determined that it is "more likely than not" that all deferred income tax assets as of December 31, 2012 and 2011 will be fully realized and therefore no valuation allowance was recorded.

Financial Condition

Loan Portfolio. The Company continues to manage the mix of its loan portfolio consistent with its identity as a community bank serving the financing needs of all sectors of the area it serves. Although the Company offers a broad array of financing options, it continues to concentrate its focus on small to medium sized commercial businesses. These commercial loans offer diversification as to industries and types of businesses, thus limiting material exposure in any industry concentrations. The Company offers both fixed and floating rate loans and obtains collateral in the form of real property, business assets and deposit accounts, but looks to business and personal cash flows as its primary source of repayment.

The Company’s largest lending categories are commercial real estate loans, agricultural loans and residential real estate loans. These categories accounted for approximately 44.3%, 11.1% and 11.0%, respectively of the Company's total loan portfolio at December 31, 2012, and approximately 40.6%, 13.2% and 13.3%, respectively of the Company's total loan portfolio at December 31, 2011. Construction and land development loans continue to decline and represented 5.0% and 5.8% of the loan portfolio as of December 31, 2012 and December 31, 2011, respectively. The construction and land development portfolio component has been identified by Management as a higher-risk loan category. The quality of the construction and land development category is highly dependent on property values both in terms of the likelihood of repayment once the property is transacted by the current owner as well as the level of collateral the Company has securing the loan in the event of default. Loans in this category are characterized by the speculative nature of commercial and residential development properties and can include property in various stages of development from raw land to finished lots. The decline in these loans as a percentage of the Company’s loan portfolio reflects management’s continued efforts, which began in 2009, to reduce its exposure to construction and land development loans due to the severe valuation decrease in the real estate market.

The Company’s real estate related loans, including real estate mortgage loans, real estate construction loans, consumer equity lines of credit, and agricultural loans secured by real estate comprised 78% and 81% of the total loan portfolio at December 31, 2012 and December 31, 2011, respectively. Moreover, the business activities of the Company currently are focused in the California counties of Plumas, Nevada, Placer, Lassen, Modoc, Shasta, Sierra and in Washoe County in Northern Nevada. Consequently, the results of operations and financial condition of the Company are dependent upon the general trends in these economies and, in particular, the residential and commercial real estate markets. In addition, the concentration of the Company's operations in these areas of Northeastern California and Northwestern Nevada exposes it to greater risk than other banking companies with a wider geographic base in the event of catastrophes, such as earthquakes, fires and floods in these regions.

 

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The rates of interest charged on variable rate loans are set at specific increments in relation to the Company's lending rate or other indexes such as the published prime interest rate or U.S. Treasury rates and vary with changes in these indexes. At December 31, 2012 and December 31, 2011, approximately 73% of the Company's loan portfolio was comprised of variable rate loans. While real estate mortgage, commercial and consumer lending remain the foundation of the Company's historical loan mix, some changes in the mix have occurred due to the changing economic environment and the resulting change in demand for certain loan types. In addition, the Company remains committed to the agricultural industry in Northeastern California and will continue to pursue high quality agricultural loans. Agricultural loans include both commercial and commercial real estate loans. The Company’s agricultural loan balances totaled $35 million at December 31, 2012 and $39 million at December 31, 2011.

The following table sets forth the amounts of loans outstanding by category as of the dates indicated.

 

     At December 31,  
     2012     2011     2010     2009     2008  
     (dollars in thousands)  

Real estate – mortgage

   $ 174,212      $ 158,431      $ 162,513      $ 161,397      $ 151,943   

Real estate – construction and land development

     15,801        17,063        31,199        38,061        73,820   

Commercial

     29,552        30,235        33,433        37,056        42,528   

Consumer (1)

     60,368        49,268        48,586        54,442        61,706   

Agriculture (2)

     35,124        38,868        38,469        41,722        36,020   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total loans

     315,057        293,865        314,200        332,678        366,017   

Less:

          

Deferred costs

     (900     (475     (275     (298     (279

Allowance for loan losses

     5,686        6,908        7,324        9,568        7,224   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net loans

   $ 310,271      $ 287,432      $ 307,151      $ 323,408      $ 359,072   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

(1) Includes equity lines of credit
(2) Includes agriculture real estate

The following table sets forth the maturity of gross loan categories as of December 31, 2012. Also provided with respect to such loans are the amounts due after one year, classified according to sensitivity to changes in interest rates:

 

     Within
One Year
     After One
Through Five  Years
     After
Five Years
     Total  
     (dollars in thousands)  

Real estate – mortgage

   $ 12,051       $ 44,623       $ 117,538       $ 174,212   

Real estate – construction and land development

     7,684         4,709         3,408         15,801   

Commercial

     6,489         13,336         9,727         29,552   

Consumer

     6,238         22,102         32,028         60,368   

Agriculture

     12,783         9,303         13,038         35,124   
  

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 45,245       $ 94,073       $ 175,739       $ 315,057   
  

 

 

    

 

 

    

 

 

    

 

 

 

Loans maturing after one year with:

           

Fixed interest rates

      $ 34,873       $ 37,514       $ 72,387   

Variable interest rates

        59,200         138,225         167,425   
     

 

 

    

 

 

    

 

 

 

Total

      $ 94,073       $ 175,739       $ 269,812   
     

 

 

    

 

 

    

 

 

 

Analysis of Asset Quality and Allowance for Loan Losses. The Company attempts to minimize credit risk through its underwriting and credit review policies. The Company’s credit review process includes internally prepared credit reviews as well as contracting with an outside firm to conduct periodic credit reviews. The Company’s management and lending officers evaluate the loss exposure of classified and impaired loans on a quarterly basis, or more frequently as loan conditions change. The Management Asset Resolution Committee (MARC) reviews the asset quality of criticized loans on a monthly basis and reports the findings to the full Board of Directors. The Board’s Loan Committee reviews the asset quality of new loans on a monthly basis and reports the findings to the full Board of Directors. In management's opinion, this loan review system helps facilitate the early identification of potential criticized loans.

 

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The Company has implemented MARC to develop an action plan to significantly reduce nonperforming loans. It consists of members of executive management and credit administration management, and the activities are governed by a formal written charter. The MARC meets at least monthly and reports to the Board of Directors.

More specifically, a formal plan to effect repayment and/or disposition of every significant nonperforming loan relationship is developed and documented for review and on-going oversight by the MARC. Some of the strategies used include but are not limited to: 1) obtaining additional collateral, 2) obtaining additional investor cash infusion, 3) sale of the promissory note to an outside party, 4) proceeding with foreclosure on the underlying collateral, and 5) legal action against borrower/guarantors to encourage settlement of debt and/or collect any deficiency balance owed. Each step includes a benchmark timeline to track progress.

MARC also provides guidance for the maintenance and timely disposition of OREO properties; including developing financing and marketing programs to incent individuals to purchase OREO.

The allowance for loan losses is established through charges to earnings in the form of the provision for loan losses. Loan losses are charged to and recoveries are credited to the allowance for loan losses. The allowance for loan losses is maintained at a level deemed appropriate by management to provide for known and inherent risks in the loan portfolio. The adequacy of the allowance for loan losses is based upon management's continuing assessment of various factors affecting the collectability of loans; including current economic conditions, maturity of the portfolio, size of the portfolio, industry concentrations, borrower credit history, collateral, the existing allowance for loan losses, independent credit reviews, current charges and recoveries to the allowance for loan losses and the overall quality of the portfolio as determined by management, regulatory agencies, and independent credit review consultants retained by the Company. There is no precise method of predicting specific losses or amounts which may ultimately be charged off on particular segments of the loan portfolio. The collectability of a loan is subjective to some degree, but must relate to the borrower’s financial condition, cash flow, quality of the borrower’s management expertise, collateral and guarantees, and state of the local economy.

Formula allocations are calculated by applying loss factors to outstanding loans with similar characteristics. Loss factors are based on the Company’s historical loss experience as adjusted for changes in the business cycle and may be adjusted for significant factors that, in management's judgment, affect the collectability of the portfolio as of the evaluation date. Effective for the third quarter of 2012, the Company modified its method of estimating the allowance for loan losses for non-impaired loans. This modification incorporated historical losses from the beginning of the latest business cycle. Previously we utilized historical loss experience based on a rolling eight quarters ending with the most recently completed calendar quarter. This modification had the effect of increasing the required allowance by approximately $250,000 for 2012 related to the expanded historical loss period. The Company believes that, given the recent trend in historical losses, it was prudent to increase the period examined and that a full business cycle was the appropriate period.

The discretionary allocation is based upon management’s evaluation of various loan segment conditions that are not directly measured in the determination of the formula and specific allowances. The conditions may include, but are not limited to, general economic and business conditions affecting the key lending areas of the Company, credit quality trends, collateral values, loan volumes and concentrations, and other business conditions.

 

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The following table provides certain information for the years indicated with respect to the Company's allowance for loan losses as well as charge-off and recovery activity.

 

     For the Year Ended December 31,  
     2012     2011     2010     2009     2008  
     (dollars in thousands)  

Balance at beginning of period

   $ 6,908      $ 7,324      $ 9,568      $ 7,224      $ 4,211   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Charge-offs:

          

Commercial and agricultural

     1,159        539        1,219        663        477   

Real estate mortgage

     616        483        3,105        1,145        95   

Real estate construction

     1,524        2,603        3,617        10,133        522   

Consumer

     602        622        408        559        689   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total charge-offs

     3,901        4,247        8,349        12,500        1,783   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Recoveries:

          

Commercial and agricultural

     66        199        26        18        11   

Real estate mortgage

     8        18        396        8        14   

Real estate construction

     81        5        65        90        —     

Consumer

     174        109        118        228        171   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total recoveries

     329        331        605        344        196   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net charge-offs

     3,572        3,916        7,744        12,156        1,587   

Provision for loan losses

     2,350        3,500        5,500        14,500        4,600   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Balance at end of period

   $ 5,686      $ 6,908      $ 7,324      $ 9,568      $ 7,224   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Net charge-offs during the period to average loans

     1.18     1.29     2.39     3.43     0.45

Allowance for loan losses to total loans

     1.80     2.35     2.33     2.88     1.97

During the year ended December 31, 2012 we recorded a provision for loan losses of $2.35 million down $1.15 million from the $3.50 million provision recorded during the year ended December 31, 2011. Net charge-offs totaled $3.6 million during the year ended December 31, 2012 and $3.9 million during 2011. Net charge-offs as a percentage of average loans decreased from 1.29% during 2011 to 1.18% during the year ended December 31, 2012.

The following table provides a breakdown of the allowance for loan losses:

 

     Balance at
End of Period
     Percent of
Loans in Each
Category to
Total Loans
    Balance at
End of Period
     Percent of
Loans in Each
Category to
Total Loans
 
     2012      2012     2011      2011  

Commercial and agricultural

     1,014         20.5     1,355         23.5

Real estate mortgage

     2,550         55.3     2,623         53.9

Real estate construction

     950         5.0     2,006         5.8

Consumer (includes equity LOC & Auto)

     1,172         19.2     924         16.8
  

 

 

    

 

 

   

 

 

    

 

 

 

Total

     5,686         100.0     6,908         100.0
  

 

 

    

 

 

   

 

 

    

 

 

 

The allowance for loan losses totaled $5.7 million at December 31, 2012 and $6.9 million at December 31, 2011. Specific reserves related to impaired loans decreased from $2.1 million at December 31, 2011 to $1.2 million at December 31, 2012. This decline in specific reserves is reflected in the $3.6 million in net charge-offs during 2012. At least quarterly the Company evaluates each specific reserve and if it determines that the loss represented by the specific reserve is uncollectable it reverses the specific reserve and takes a partial charge-off in its place. General reserves decreased by $342 thousand to $4.5 million at December 31, 2012. Related to a decline in specific and general reserves, the allowance for loan losses as a percentage of total loans decreased from 2.35% at December 31, 2011 to 1.80% at December 31, 2012. The percentage of general reserves to unimpaired loans decreased from 1.80% at December 31, 2011 to 1.52% at December 31, 2012 primarily related to a decrease in the historical charge-off rate.

 

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The Company places loans 90 days or more past due on nonaccrual status unless the loan is well secured and in the process of collection. A loan is considered to be in the process of collection if, based on a probable specific event, it is expected that the loan will be repaid or brought current. Generally, this collection period would not exceed 90 days. When a loan is placed on nonaccrual status the Company's general policy is to reverse and charge against current income previously accrued but unpaid interest. Interest income on such loans is subsequently recognized only to the extent that cash is received and future collection of principal is deemed by management to be probable. Where the collectability of the principal or interest on a loan is considered to be doubtful by management, it is placed on nonaccrual status prior to becoming 90 days delinquent.

Impaired loans are measured based on the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the collateral if the loan is collateral dependent. The amount of impaired loans is not directly comparable to the amount of nonperforming loans disclosed later in this section. The primary difference between impaired loans and nonperforming loans is that impaired loan recognition considers not only loans 90 days or more past due, restructured loans and nonaccrual loans but also may include identified problem loans other than delinquent loans where it is considered probable that we will not collect all amounts due to us (including both principal and interest) in accordance with the contractual terms of the loan agreement.

A restructuring of a debt constitutes a troubled debt restructuring (TDR) if the Company, for economic or legal reasons related to the debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. Restructured workout loans typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. Loans that are reported as TDRs are considered impaired and measured for impairment as described above.

Loans restructured and in compliance with modified terms totaled $9.3 million, $8.4 million, $2.0 million and $3.4 million at December 31, 2012, 2011, 2010 and 2009, respectively. There were no troubled debt restructurings at December 31, 2008. For additional information related to restructured loans see Note 6 of the Company’s Consolidated Financial Statements in Item 8 – Financial Statements and Supplementary Data of this Annual Report on Form 10K.

The following table sets forth the amount of the Company's nonperforming assets as of the dates indicated.

 

     At December 31,  
     2012     2011     2010     2009     2008  
     (dollars in thousands)  

Nonaccrual loans

   $ 13,683      $ 16,757      $ 25,313      $ 14,263      $ 26,444   

Loans past due 90 days or more and still accruing

     15        72        45        28        297   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total nonperforming loans

     13,698        16,829        25,358        14,291        26,741   

Other real estate owned

     5,295        8,623        8,867        11,204        4,148   

Other vehicles owned

     41        57        17        65        129   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total nonperforming assets

   $ 19,034      $ 25,509      $ 34,242      $ 25,560      $ 31,018   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Interest income forgone on nonaccrual loans

   $ 646      $ 510      $ 1,021      $ 568      $ 576   

Interest income recorded on a cash basis on nonaccrual loans

   $ 192      $ 285      $ 608      $ 369      $ 74   

Nonperforming loans to total loans

     4.35     5.73     8.07     4.30     7.31

Nonperforming assets to total assets

     3.98     5.60     7.07     4.84     6.78

Nonperforming loans at December 31, 2012 were $13.7 million, a decrease of $3.1 million from the $16.8 million balance at December 31, 2011. The decline of $3.1 million includes $1.3 million in loans transferred to OREO, charge-offs and principal repayments on nonperforming loans partially offset by $5.6 million in additional loans placed on nonperforming status. Specific reserves on nonaccrual loans totaled $976 thousand at December 31, 2012 and $1.3 million at December 31, 2011, respectively. Performing loans past due thirty to eighty-nine days decreased from $5.1 million at December 31, 2011 to $2.8 million at December 31, 2012.

 

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A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Total substandard loans decreased by $10.6 million from $29.2 million at December 31, 2011 to $18.6 million at December 31, 2012. Loans classified as watch decreased as well from $10.7 million at December 31, 2011 to $6.7 million at December 31, 2012. At December 31, 2012, $8.4 million of performing loans were classified as substandard. Further deterioration in the credit quality of individual performing substandard loans or other adverse circumstances could result in the need to place these loans on nonperforming status.

At December 31, 2012 and December 31, 2011, the Company's recorded investment in impaired loans totaled $18.8 million and $24.4 million, respectively. The specific allowance for loan losses related to impaired loans totaled $1.2 million and $2.1 million at December 31, 2012 and December 31, 2011, respectively. Additionally, $3.0 million has been charged off against the impaired loans at December 31, 2012 and $940 thousand at December 31 2011.

It is the policy of management to make additions to the allowance for loan losses so that it remains appropriate to absorb the inherent risk of loss in the portfolio. Management believes that the allowance at December 31, 2012 is appropriate. However, the determination of the amount of the allowance is judgmental and subject to economic conditions which cannot be predicted with certainty. Accordingly, the Company cannot predict whether charge-offs of loans in excess of the allowance may occur in future periods.

OREO represents real property taken by the Bank either through foreclosure or through a deed in lieu thereof from the borrower. Repossessed assets include vehicles and other commercial assets acquired under agreements with delinquent borrowers. Repossessed assets and OREO are carried at fair market value, less selling costs. OREO holdings represented forty properties totaling $5.3 million at December 31, 2012 and forty-four properties totaling $8.6 million at December 31, 2011. During June, 2011 the Bank sold its largest OREO holding which represented $4.3 million, or 48% of the total balance in OREO at January 1, 2011. The Bank incurred a $617 thousand loss on this 2011sale; however, management believes the loss was prudent given the significant affect this transaction had in decreasing nonperforming assets. Nonperforming assets as a percentage of total assets were 3.98% at December 31, 2012 and 5.60% at December 31, 2011.

The following table provides a summary of the change in the OREO balance for the years ended December 31, 2012 and 2011:

 

     2012     2011  
     (in thousands)  

Beginning Balance

   $ 8,623      $ 8,867   

Additions

     1,309        5,825   

Dispositions

     (3,730     (5,490 )

Write-downs

     (907     (579 )
  

 

 

   

 

 

 

Ending Balance

   $ 5,295      $ 8,623   
  

 

 

   

 

 

 

Investment Portfolio and Federal Funds Sold. Total investment securities increased by $23.0 million from $57.9 million at December 31, 2011 to $80.9 million as of December 31, 2012. The increase in investment securities is consistent with our asset/liability management policy as we chose to reduce excess balances held at the FRB in order to increase our return on these balances.

The investment portfolio at December 31, 2012 and 2011 was invested entirely in U.S. Government-sponsored agencies. There were no Federal funds sold at December 31, 2012 or 2011; however, the Bank maintained interest earning balances at the Federal Reserve Bank (FRB) totaling $24.5 million at December 31, 2012 and $47.8 million at December 31, 2011, respectively. These balances currently earn 25 basis points.

The Company classifies its investment securities as available-for-sale or held-to-maturity. Currently all securities are classified as available-for-sale. Securities classified as available-for-sale may be sold to implement the Company's asset/liability management strategies and in response to changes in interest rates, prepayment rates and similar factors.

 

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The following tables summarize the values of the Company's investment securities held on the dates indicated:

 

     December 31,  
     2012      2011      2010  
Available-for-sale (fair value)    (dollars in thousands)  

U.S. Treasuries

   $ —         $ —         $ 1,032   

U.S. Government-sponsored agencies

     38,442         32,777         40,430   

U.S. Government-sponsored agency residential mortgage-backed securities

     42,522         25,140         21,273   

Municipal obligations

     —           —           282   
  

 

 

    

 

 

    

 

 

 

Total

   $ 80,964       $ 57,917       $ 63,017   
  

 

 

    

 

 

    

 

 

 

The following table summarizes the maturities of the Company's securities at their carrying value, which represents fair value, and their weighted average tax equivalent yields at December 31, 2012.

 

(dollars in thousands)    Within One Year     After One
Through Five
Years
    After Five
Through Ten Years
    After Ten Years     Total  
Available-for-sale (Fair Value)    Amount      Yield     Amount      Yield     Amount      Yield     Amount      Yield     Amount      Yield  

U.S. Government- sponsored agencies

   $ 1,008         1.13   $ 37,434         0.87     —           —       —           —     $ 38,442         0.87

U.S. Government-sponsored agency residential mortgage-backed securities

     —           —       —           —     $ 5,883         1.51   $ 36,639         1.76     42,522         1.73
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Total

   $ 1,008         1.13   $ 37,434         0.87   $ 5,883         1.51   $ 36,639         1.76   $ 80,964         1.32
  

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

   

 

 

    

 

 

 

Deposits. Total deposits were $411.5 million as of December 31, 2012, up $20.4 million, or 5%, from the December 31, 2011 balance of $391.1 million. Non-interest bearing demand deposits increased by $17.7 million, interest bearing transaction accounts (NOW) increased by $1.4 million, savings accounts increased by $6.2 million and money market accounts increased by $4.9 million. Time deposits declined by $9.8 million. We attribute much of the reduction in time to the unusually low interest rate environment as we have seen a movement out of time into more liquid deposits types.

The Company continues to manage the mix of its deposits consistent with its identity as a community bank serving the financial needs of its customers. The deposit mix changed slightly from December 31, 2011 as time deposits and NOW accounts declined as a percentage of total deposits and we had an increase in other deposit types. Non-interest bearing demand deposits were 35% of total deposits at December 31, 2012 and 32% of total deposits at December 31, 2011. Interest bearing transaction accounts were 20% of total deposits at December 31, 2012 and 21% of total deposits at December 31, 2011. Money market and savings deposits totaled 28% of total deposits at December 31, 2012 and 26% at December 31, 2011. Time deposits were 17% of total deposits at December 31, 2012 and 21% of total deposits at December 31, 2011.

Deposits represent the Bank's primary source of funds. Deposits are primarily core deposits in that they are demand, savings and time deposits generated from local businesses and individuals. These sources are considered to be relatively stable, long-term relationships thereby enhancing steady growth of the deposit base without major fluctuations in overall deposit balances. The Company experiences, to a small degree, some seasonality with the slower growth period between November through April, and the higher growth period from May through October. In order to assist in meeting any funding demands, the Company maintains a secured borrowing arrangement with the Federal Home Loan Bank of San Francisco. There were no brokered deposits at December 31, 2012 or 2011.

 

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The Company's time deposits of $100,000 or more had the following schedule of maturities at December 31, 2012:

 

(dollars in thousands)  
     Amount  

Remaining Maturity:

  

Three months or less

   $ 10,797   

Over three months to six months

     4,305   

Over six months to 12 months

     6,398   

Over 12 months

     6,386   
  

 

 

 

Total

   $ 27,886   
  

 

 

 

Time deposits of $100,000 or more are generally from the Company's local business and individual customer base. The potential impact on the Company's liquidity from the withdrawal of these deposits is discussed at the Company's asset and liability management committee meetings, and is considered to be minimal.

Short-term Borrowing Arrangements.

The Company is a member of the FHLB and can borrow up to $98,000,000 from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $191,000,000. The Company is required to hold FHLB stock as a condition of membership. At December 31, 2012, the Company held $1,950,000 of FHLB stock which is recorded as a component of other assets. At this level of stock holdings the Company can borrow up to $41,000,000. There were no borrowings outstanding as of December 31, 2012. To borrow the $98,000,000 in available credit the Company would need to purchase $2,661,000 in additional FHLB stock.

Repurchase Agreements.

In 2011 Plumas Bank introduced a new product for its larger business customers which use repurchase agreements as an alternative to interest-bearing deposits. The balance in this product at December 31, 2012 was $7.4 million. Interest paid on this product is similar to that which can be earned on the Bank’s premium money market account; however, these are not deposits and are not FDIC insured.

Capital Resources

Shareholders' equity as of December 31, 2012 totaled $41.9 million up from $39.6 million as of December 31, 2011.

On January 30, 2009, under the Capital Purchase Program, the Company sold (i) 11,949 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “Preferred Shares”) and (ii) a ten-year warrant to purchase up to 237,712 shares of the Company’s common stock, no par value at an exercise price, subject to anti-dilution adjustments, of $7.54 per share, for an aggregate purchase price of $11,949,000 in cash. Ten million of the twelve million in proceeds from the sale of the Series A Preferred Stock was injected into Plumas Bank providing addition capital for the bank to support growth in loans and investment securities and strengthen its capital ratios. The remainder provided funds for holding company activities and general corporate purposes.

It is the policy of the Company to periodically distribute excess retained earnings to the shareholders through the payment of cash dividends. Such dividends help promote shareholder value and capital adequacy by enhancing the marketability of the Company’s stock. All authority to provide a return to the shareholders in the form of a cash or stock dividend or split rests with the Board of Directors (the “Board). The Board will periodically, but on no regular schedule, review the appropriateness of a cash dividend payment. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. No common cash dividends were paid in 2009, 2010, 2011, or 2012 and none are anticipated to be paid in 2013.

The Company is subject to various restrictions on the payment of dividends.

 

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At the request of the FRB, Plumas Bancorp deferred its regularly scheduled quarterly interest payments on its outstanding junior subordinated debentures relating to its two trust preferred securities and suspended quarterly cash dividend payments on its Series A Preferred Stock. Therefore, Plumas Bancorp is currently in arrears with the dividend payments on the Series A Preferred Stock and interest payments on the junior subordinated debentures as permitted by the related agreements. As of December 31, 2012 the amount of the arrearage on the dividend payments of the Series A Preferred Stock is $1,643 thousand representing eleven quarterly payments and the amount of the arrearage on the payments on the subordinated debt associated with the trust preferred securities is $906 thousand also representing eleven quarterly payments.

Capital Standards.

The Company uses a variety of measures to evaluate its capital adequacy, with risk-based capital ratios calculated separately for the Company and the Bank. Management reviews these capital measurements on a monthly basis and takes appropriate action to ensure that they are within established internal and external guidelines. The FDIC has promulgated risk-based capital guidelines for all state non-member banks such as the Bank. These guidelines establish a risk-adjusted ratio relating capital to different categories of assets and off-balance sheet exposures. There are two categories of capital under the guidelines: Tier 1 capital includes common stockholders’ equity, and qualifying trust-preferred securities (including notes payable to unconsolidated special purpose entities that issue trust-preferred securities), less goodwill and certain other deductions, notably the unrealized net gains or losses (after tax adjustments) on available-for-sale investment securities carried at fair market value; Tier 2 capital can include qualifying subordinated debt and the allowance for loan losses, subject to certain limitations. The Series A Preferred Stock qualifies as Tier 1 capital for the Company.

As noted previously, the Company’s junior subordinated debentures represent borrowings from its unconsolidated subsidiaries that have issued an aggregate $10 million in trust-preferred securities. These trust-preferred securities currently qualify for inclusion as Tier 1 capital for regulatory purposes as they do not exceed 25% of total Tier 1 capital, but are classified as long-term debt in accordance with GAAP. On March 1, 2005, the Federal Reserve Board adopted a final rule that allows the continued inclusion of trust-preferred securities (and/or related subordinated debentures) in the Tier I capital of bank holding companies.

The following tables present the capital ratios for the Company and the Bank compared to the standards for bank holding companies and the regulatory minimum requirements for depository institutions as of December 31, 2012 and 2011 (amounts in thousands except percentage amounts).

 

     December 31, 2012     December 31, 2011  
     Amount      Ratio     Amount      Ratio  

Tier 1 Leverage Ratio

          

Plumas Bancorp and Subsidiary

   $ 49,052         10.3   $ 45,024         9.8

Minimum regulatory requirement

     19,040         4.0     18,313         4.0

Plumas Bank

     49,662         10.4     45,073         9.8

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action regulation

     23,852         5.0     22,882         5.0

Minimum regulatory requirement

     19,032         4.0     18,305         4.0

Tier 1 Risk-Based Capital Ratio

          

Plumas Bancorp and Subsidiary

     49,052         13.9     45,024         13.7

Minimum regulatory requirement

     14,143         4.0     13,149         4.0

Plumas Bank

     49,662         14.1     45,073         13.7

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action regulation

     21,200         6.0     19,710         6.0

Minimum regulatory requirement

     14,133         4.0     13,140         4.0

Total Risk-Based Capital Ratio

          

Plumas Bancorp and Subsidiary

     53,489         15.1     49,169         15.0

Minimum regulatory requirement

     28,286         8.0     26,298         8.0

Plumas Bank

     54,096         15.3     49,215         15.0

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action regulation

     35,333         10.0     32,850         10.0

Minimum regulatory requirement

     28,266         8.0     26,280         8.0

 

44


Table of Contents

Management believes that the Company and the Bank currently meet their entire capital adequacy requirements.

The current and projected capital positions of the Company and the Bank and the impact of capital plans and long-term strategies are reviewed regularly by management. The Company policy is to maintain the Bank’s ratios above the prescribed well-capitalized leverage, Tier 1 risk-based and total risk-based capital ratios of 5%, 6% and 10%, respectively, at all times.

New Proposed Capital Rules. During 2012 the federal bank regulatory agencies issued joint proposed rules that implement Basel III regulatory capital reforms and changes required by the Reform Act. "Basel III" refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010 and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements. The proposed rules received extensive comments. In a joint press release issued in November 2012, the agencies stated that they do not expect any of the proposed rules to become effective on the original target date of January 1, 2013. Industry participants are expecting further guidance in early 2013. Management has completed a preliminary assessment of the impact of the proposed rules and believes Plumas Bank's ratios would be in compliance with the requirements of the proposed rules if they were presently in effect.

Off-Balance Sheet Arrangements

Loan Commitments. In the normal course of business, there are various commitments outstanding to extend credits that are not reflected in the financial statements. Commitments to extend credit and letters of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Annual review of commercial credit lines, letters of credit and ongoing monitoring of outstanding balances reduces the risk of loss associated with these commitments. As of December 31, 2012, the Company had $76.0 million in unfunded loan commitments and $110 thousand in letters of credit. This compares to $79.2 million in unfunded loan commitments and $50 thousand in letters of credit at December 31, 2011. Of the $76.0 million in unfunded loan commitments, $34.3 million and $41.7 million represented commitments to commercial and consumer customers, respectively. Of the total unfunded commitments at December 31, 2012, $33.2 million were secured by real estate, of which $7.8 million was secured by commercial real estate and $25.4 million was secured by residential real estate in the form of equity lines of credit. The commercial loan commitments not secured by real estate primarily represent business lines of credit, while the consumer loan commitments not secured by real estate primarily represent revolving credit card lines and overdraft protection lines. Since some of the commitments are expected to expire without being drawn upon the total commitment amounts do not necessarily represent future cash requirements.

Operating Leases. The Company leases one depository branch, two lending offices and one loan administration office and two non-branch automated teller machine locations. Total rental expenses under all operating leases were $153,000 and $150,000 during the years ended December, 31, 2012 and 2011, respectively. The expiration dates of the leases vary, with the first such lease expiring during 2013 and the last such lease expiring during 2015.

Liquidity

The Company manages its liquidity to provide the ability to generate funds to support asset growth, meet deposit withdrawals (both anticipated and unanticipated), fund customers' borrowing needs, satisfy maturity of short-term borrowings and maintain reserve requirements. The Company’s liquidity needs are managed using assets or liabilities, or both. On the asset side, in addition to cash and due from banks, the Company maintains an investment portfolio which includes unpledged U.S. Government-sponsored agency securities that are classified as available-for-sale. On the liability side, liquidity needs are managed by charging competitive offering rates on deposit products and the use of established lines of credit.

The Company is a member of the FHLB and can borrow up to $98,000,000 from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $191,000,000. The Company is required to hold FHLB stock as a condition of membership. At December 31, 2012, the Company held $1,950,000 of FHLB stock which is recorded as a component of other assets. At this level of stock holdings the Company can borrow up to $41,000,000. There were no borrowings outstanding as of December 31, 2012. To borrow the $98,000,000 in available credit the Company would need to purchase $2,661,000 in additional FHLB stock.

 

45


Table of Contents

Customer deposits are the Company’s primary source of funds. Total deposits were $411.5 million as of December 31, 2012, up $20.4 million, or 5%, from the December 31, 2011 balance of $391.1 million. Deposits are held in various forms with varying maturities. The Company’s securities portfolio, Federal funds sold, Federal Home Loan Bank advances, and cash and due from banks serve as the primary sources of liquidity, providing adequate funding for loans during periods of high loan demand. During periods of decreased lending, funds obtained from the maturing or sale of investments, loan payments, and new deposits are invested in short-term earning assets, such as cash held at the FRB, Federal funds sold and investment securities, to serve as a source of funding for future loan growth. Management believes that the Company’s available sources of funds, including borrowings, will provide adequate liquidity for its operations in the foreseeable future.

 

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

As a smaller reporting company we are not required to provide the information required by this item.

 

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The following consolidated financial statements of Plumas Bancorp and subsidiary, and report of the independent registered public accounting firm are included in the Annual Report of Plumas Bancorp to its shareholders for the years ended December 31, 2012, 2011 and 2010.

 

     Page  

Reports of Independent Registered Public Accounting Firms

     F-1   

Consolidated Balance Sheets as of December 31, 2012 and 2011

     F-3   

Consolidated Statements of Income for the years ended December 31, 2012, 2011 and 2010

     F-4   

Consolidated Statements of Comprehensive Income for the years ended December 31, 2012, 2011 and 2010

     F-6   

Consolidated Statements of Changes in Shareholders’ Equity for the years ended December  31, 2012, 2011 and 2010

     F-7   

Consolidated Statements of Cash Flows for the years ended December 31, 2012, 2011 and 2010

     F-8   

Notes to Consolidated Financial Statements

     F-11   

 

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Table of Contents

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Shareholders

Plumas Bancorp and Subsidiary

Quincy, California

We have audited the accompanying consolidated balance sheets of Plumas Bancorp and subsidiary (the "Company") as of December 31, 2012 and 2011, and the related consolidated statements of income, comprehensive income, changes in shareholders' equity and cash flows for each of the two years in the period ended December 31, 2012. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audit included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control over financial reporting. Accordingly, we express no such opinion. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of Plumas Bancorp and subsidiary as of December 31, 2012 and 2011, and the results of its operations and its cash flows for the two years in the period ended December 31, 2012, in conformity with U.S. generally accepted accounting principles.

/s/ Crowe Horwath LLP

Sacramento, California

March 22, 2013

 

F - 1


Table of Contents

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Shareholders

Plumas Bancorp and Subsidiary

Quincy, California

We have audited the accompanying consolidated statement of income of Plumas Bancorp and subsidiary (the "Company") and the related consolidated statements of comprehensive income, changes in shareholders' equity, and cash flows for the year ended December 31, 2010. These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these consolidated financial statements based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the results of operations and cash flows of Plumas Bancorp and subsidiary for the year ended December 31, 2010, in conformity with U.S. generally accepted accounting principles.

/s/ Perry-Smith LLP

Sacramento, California

March 23, 2011

 

F - 2


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

December 31, 2012 and 2011

 

     2012      2011  
ASSETS      

Cash and cash equivalents

   $ 44,675,000       $ 63,076,000   

Investment securities

     80,964,000         57,917,000   

Loans, less allowance for loan losses of $5,686,000 in 2012 and $6,908,000 in 2011

     310,271,000         287,432,000   

Premises and equipment, net

     13,271,000         13,457,000   

Bank owned life insurance

     11,160,000         10,815,000   

Other real estate and vehicles acquired through foreclosure

     5,336,000         8,680,000   

Accrued interest receivable and other assets

     12,125,000         13,972,000   
  

 

 

    

 

 

 

Total assets

   $ 477,802,000       $ 455,349,000   
  

 

 

    

 

 

 

LIABILITIES AND

SHAREHOLDERS’ EQUITY

     

Deposits:

     

Non-interest bearing

   $ 143,646,000       $ 125,931,000   

Interest bearing

     267,916,000         265,209,000   
  

 

 

    

 

 

 

Total deposits

     411,562,000         391,140,000   

Repurchase agreements

     7,377,000         8,279,000   

Accrued interest payable and other liabilities

     6,703,000         5,986,000   

Junior subordinated deferrable interest debentures

     10,310,000         10,310,000   
  

 

 

    

 

 

 

Total liabilities

     435,952,000         415,715,000   
  

 

 

    

 

 

 

Commitments and contingencies (Note 12)

     

Shareholders’ equity:

     

Serial preferred stock—no par value; 10,000,000 shares authorized; 11,949 issued and outstanding at December 31, 2012 and 2011; aggregate liquidation value of $13,667,000 at December 31, 2012

     11,855,000         11,769,000   

Common stock—no par value; 22,500,000 shares authorized; issued and outstanding—4,776,339 shares at December 31, 2012 and 2011

     6,093,000         5,998,000   

Retained earnings

     23,573,000         21,709,000   

Accumulated other comprehensive income

     329,000         158,000   
  

 

 

    

 

 

 

Total shareholders’ equity

     41,850,000         39,634,000   
  

 

 

    

 

 

 

Total liabilities and shareholders’ equity

   $ 477,802,000       $ 455,349,000   
  

 

 

    

 

 

 

The accompanying notes are an integral

part of these consolidated financial statements.

 

F - 3


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012      2011      2010  

Interest income:

        

Interest and fees on loans

   $ 17,427,000       $ 17,400,000       $ 18,860,000   

Interest on investment securities:

        

Taxable

     892,000         1,138,000         1,649,000   

Exempt from Federal income taxes

     —           6,000         123,000   

Other

     106,000         124,000         48,000   
  

 

 

    

 

 

    

 

 

 

Total interest income

     18,425,000         18,668,000         20,680,000   
  

 

 

    

 

 

    

 

 

 

Interest expense:

        

Interest on deposits

     847,000         1,469,000         2,696,000   

Interest on borrowings

     —           —           135,000   

Interest on junior subordinated deferrable interest debentures

     344,000         326,000         312,000   

Other

     83,000         53,000         4,000   
  

 

 

    

 

 

    

 

 

 

Total interest expense

     1,274,000         1,848,000         3,147,000   
  

 

 

    

 

 

    

 

 

 

Net interest income before provision for loan losses

     17,151,000         16,820,000         17,533,000   

Provision for loan losses

     2,350,000         3,500,000         5,500,000   
  

 

 

    

 

 

    

 

 

 

Net interest income after provision for loan losses

     14,801,000         13,320,000         12,033,000   
  

 

 

    

 

 

    

 

 

 

Non-interest income:

        

Service charges

     3,617,000         3,477,000         3,642,000   

Gain on sale of loans

     1,324,000         1,939,000         1,055,000   

Gain on sale of investments

     403,000         666,000         1,160,000   

Earnings on bank owned life insurance policies, net

     345,000         352,000         351,000   

Sale of merchant processing portfolio

     —           —           1,435,000   

Other

     907,000         728,000         825,000   
  

 

 

    

 

 

    

 

 

 

Total non-interest income

     6,596,000         7,162,000         8,468,000   
  

 

 

    

 

 

    

 

 

 

(Continued)

 

F - 4


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

(Continued)

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Non-interest expenses:

      

Salaries and employee benefits

   $ 8,968,000      $ 9,195,000      $ 9,732,000   

Occupancy and equipment

     3,023,000        3,088,000        3,096,000   

Provision for losses on other real estate

     907,000        579,000        356,000   

Other

     5,479,000        6,384,000        5,957,000   
  

 

 

   

 

 

   

 

 

 

Total non-interest expenses

     18,377,000        19,246,000        19,141,000   
  

 

 

   

 

 

   

 

 

 

Income before income taxes

     3,020,000        1,236,000        1,360,000   

Provision for income taxes

     1,070,000        295,000        389,000   
  

 

 

   

 

 

   

 

 

 

Net income

     1,950,000        941,000        971,000   

Preferred stock dividends accrued and discount accretion

     (684,000     (684,000     (684,000
  

 

 

   

 

 

   

 

 

 

Net income available to common shareholders

   $ 1,266,000      $ 257,000      $ 287,000   
  

 

 

   

 

 

   

 

 

 

Basic earnings per common share

   $ 0.26      $ 0.05      $ 0.06   
  

 

 

   

 

 

   

 

 

 

Diluted earnings per common share

   $ 0.26      $ 0.05      $ 0.06   
  

 

 

   

 

 

   

 

 

 

Common dividends per share

   $ —        $ —        $ —     
  

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral

part of these consolidated financial statements.

 

F - 5


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Net Income

   $ 1,950,000      $ 941,000      $ 971,000   

Other comprehensive income (loss):

      

Change in net unrealized gains

     695,000        1,023,000        12,000   

Less: reclassification adjustments for net gains included in net income

     (403,000     (666,000     (1,160,000
  

 

 

   

 

 

   

 

 

 

Net unrealized holding gains (losses)

     292,000        357,000        (1,148,000

Income tax effect

     (121,000     (147,000     474,000   
  

 

 

   

 

 

   

 

 

 

Other comprehensive income (loss)

     171,000        210,000        (674,000
  

 

 

   

 

 

   

 

 

 

Total comprehensive income

   $ 2,121,000      $ 1,151,000      $ 297,000   
  

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral

part of these consolidated financial statements.

 

F - 6


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

For the Years Ended December 31, 2012, 2011 and 2010

 

                                      Accumulated
Other
       
     Preferred Stock      Common Stock     Retained     Comprehensive
(Loss) Income
    Total
Shareholders’
 
     Shares      Amount      Shares      Amount     Earnings     (Net of Taxes)     Equity  

Balance, January 1, 2010

     11,949       $ 11,595,000         4,776,339       $ 5,970,000      $ 20,044,000      $ 622,000      $ 38,231,000   

Net lncome

                971,000          971,000   

Other comprehensive loss

                  (674,000     (674,000

Preferred stock dividends & accretion

        87,000              (684,000       (597,000

Stock-based compensation expense

              57,000            57,000   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, December 31, 2010

     11,949         11,682,000         4,776,339         6,027,000        20,331,000        (52,000     37,988,000   

Net lncome

                941,000          941,000   

Other comprehensive income

                  210,000        210,000   

Reverse accrued dividends on preferred stock

                524,000          524,000   

Preferred stock accretion

        87,000              (87,000       —     

Stock-based compensation expense

              (29,000         (29,000
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, December 31, 2011

     11,949         11,769,000         4,776,339         5,998,000        21,709,000        158,000        39,634,000   

Net lncome

                1,950,000          1,950,000   

Other comprehensive income

                  171,000        171,000   

Preferred stock accretion

        86,000              (86,000       —     

Stock-based compensation expense

              95,000            95,000   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

Balance, December 31, 2012

     11,949       $ 11,855,000         4,776,339       $ 6,093,000      $ 23,573,000      $ 329,000      $ 41,850,000   
  

 

 

    

 

 

    

 

 

    

 

 

   

 

 

   

 

 

   

 

 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Cash flows from operating activities:

      

Net income

   $ 1,950,000      $ 941,000      $ 971,000   

Adjustments to reconcile net income to net cash provided by operating activities:

      

Provision for loan losses

     2,350,000        3,500,000        5,500,000   

Change in deferred loan origination costs/fees, net

     (629,000     (441,000     (79,000

Stock-based compensation expense

     95,000        (29,000     57,000   

Depreciation and amortization

     1,354,000        1,409,000        1,693,000   

Amortization of investment security premiums

     525,000        410,000        514,000   

Accretion of investment security discounts

     (5,000     (32,000     (55,000

Gain on sale of investments

     (403,000     (666,000     (1,160,000

Gain on sale of loans held for sale

     (1,324,000     (1,939,000     (1,055,000

Loans originated for sale

     (21,154,000     (18,550,000     (21,286,000

Proceeds from loan sales

     20,084,000        23,368,000        14,873,000   

Provision for losses on other real estate

     907,000        579,000        356,000   

Proceeds from secured borrowing

         4,284,000   

Net loss (gain) on sale of other real estate and vehicles owned

     9,000        611,000        (58,000

Earnings on bank owned life insurance policies

     (345,000     (352,000     (351,000

Provision for deferred income taxes

     1,042,000        259,000        385,000   

Decrease in accrued interest receivable and other assets

     632,000        1,575,000        5,325,000   

(Decrease) increase in accrued interest payable and other liabilities

     717,000        (557,000     201,000   
  

 

 

   

 

 

   

 

 

 

Net cash provided by operating activities

     5,805,000        10,086,000        10,115,000   
  

 

 

   

 

 

   

 

 

 

(Continued)

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Continued)

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Cash flows from investing activities:

      

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

   $ 23,179,000      $ 29,182,000      $ 31,895,000   

Proceeds from sale of available-for-sale securities

     20,773,000        29,404,000        40,902,000   

Purchases of available-for-sale investment securities

     (75,214,000     (59,247,000     (57,238,000

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

     8,390,000        6,406,000        8,927,000   

Net (increase) decrease in loans

     (23,734,000     3,386,000        16,623,000   

Proceeds from sale of vehicles

     81,000        33,000        177,000   

Proceeds from sale of other real estate

     3,714,000        4,937,000        3,462,000   

Purchases of premises and equipment

     (915,000     (271,000     (1,210,000
  

 

 

   

 

 

   

 

 

 

Net cash (used in) provided by investing activities

     (43,726,000     13,830,000        43,538,000   
  

 

 

   

 

 

   

 

 

 

Cash flows from financing activities:

      

Net increase (decrease) in demand, interest-bearing and savings deposits

     30,221,000        3,534,000        (3,353,000

Net decrease in time deposits

     (9,799,000     (37,281,000     (5,015,000

Net (decrease) increase in securities sold under agreements to repurchase

     (902,000     8,279,000     

Net decrease in short-term borrowings

         (20,000,000

Repayment of long-term debt

         (20,000,000

Payment of cash dividend on preferred stock

         (150,000
  

 

 

   

 

 

   

 

 

 

Net cash provided by (used in) financing activities

     19,520,000        (25,468,000     (48,518,000
  

 

 

   

 

 

   

 

 

 

(Decrease) increase in cash and cash equivalents

     (18,401,000     (1,552,000     5,135,000   

Cash and cash equivalents at beginning of year

     63,076,000        64,628,000        59,493,000   
  

 

 

   

 

 

   

 

 

 

Cash and cash equivalents at end of year

   $ 44,675,000      $ 63,076,000      $ 64,628,000   
  

 

 

   

 

 

   

 

 

 

(Continued)

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Continued)

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012      2011      2010  

Supplemental disclosure of cash flow information:

        

Cash paid during the year for:

        

Interest expense

   $ 942,000       $ 1,688,000       $ 3,000,000   

Income taxes

   $ 2,000       $ 2,000       $     

Non-cash investing activities:

        

Real estate acquired through foreclosure

   $ 1,208,000       $ 5,710,000       $ 1,391,000   

Vehicles acquired through repossession

   $ 65,000       $ 79,000       $ 112,000   

The accompanying notes are an integral

part of these consolidated financial statements.

 

F - 10


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1. THE BUSINESS OF PLUMAS BANCORP

During 2002, Plumas Bancorp (the “Company”) was incorporated as a bank holding company for the purpose of acquiring Plumas Bank (the “Bank”) in a one bank holding company reorganization. This corporate structure gives the Company and the Bank greater flexibility in terms of operation, expansion and diversification. The Company formed Plumas Statutory Trust I (“Trust I”) for the sole purpose of issuing trust preferred securities on September 26, 2002. The Company formed Plumas Statutory Trust II (“Trust II”) for the sole purpose of issuing trust preferred securities on September 28, 2005.

The Bank operates eleven branches in California, including branches in Alturas, Chester, Fall River Mills, Greenville, Kings Beach, Portola, Quincy, Redding, Susanville, Tahoe City, and Truckee. The Bank’s administrative headquarters is in Quincy, California. In addition, the Bank operates a loan administrative office in Reno, Nevada and a lending office specializing in government-guaranteed lending in Auburn, California. The Bank's primary source of revenue is generated from providing loans to customers who are predominately small and middle market businesses and individuals residing in the surrounding areas.

On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), which, in part, permanently raised the current standard maximum deposit insurance amount to $250,000. In addition, amendments to the Dodd-Frank Act extended unlimited FDIC insurance coverage for noninterest-bearing transaction deposit accounts for an additional two years. This unlimited insurance coverage for noninterest-bearing transaction accounts expired on December 31, 2012.

2. REGULATORY MATTERS

On February 15, 2012, the Bank received notice from the Federal Deposit Insurance Corporation (FDIC) and the California Department of Financial Institutions (“DFI”) that the Consent Order with the FDIC and the DFI which was effective on March 16, 2011 had been terminated. While the Bank is no longer subject to an Order, the Bank entered into an informal agreement with the FDIC and DFI which, among other things, requests that the Bank continue to maintain a Tier 1 Leverage Capital Ratio of 9% which is in excess of that required for well capitalized institutions and continue to reduce its level of classified asset balances that were outstanding as of September 30, 2011 to not more than 50% of Tier 1 Capital plus the allowance for loan losses. At December 31, 2012 this ratio was 32% and the Bank’s Tier 1 Leverage Capital Ratio was 10.4%. The FDIC and DFI terminated the informal agreement effective January 24, 2013.

On July 28, 2011 the Company entered into an agreement with the Federal Reserve Bank of San Francisco (the “FRB Agreement”). Under the terms of the FRB Agreement, Plumas Bancorp has agreed to take certain actions that are designed to maintain its financial soundness so that it may continue to serve as a source of strength to the Bank. Among other things, the FRB Agreement requires prior written approval related to the payment or taking of dividends and distributions, making any distributions of interest, principal or other sums on subordinated debentures or trust preferred securities, incurrence of debt, and the purchase or redemption of stock.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

2. REGULATORY MATTERS (Continued)

 

In addition, the FRB Agreement requires Plumas Bancorp to submit, within 60 days of the FRB Agreement, a written statement of Plumas Bancorp’s planned sources and uses of cash for debt service, operating expense and other purposes (“Cash Flow Statement”) for the remainder of 2011 and annually thereafter. The Company has continued to submit the Cash Flow Statements within the required time frames.

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Consolidation and Basis of Presentation

The consolidated financial statements include the accounts of the Company and the consolidated accounts of its wholly-owned subsidiary, Plumas Bank. All significant intercompany balances and transactions have been eliminated.

Plumas Statutory Trust I and Trust II are not consolidated into the Company’s consolidated financial statements and, accordingly, are accounted for under the equity method. The Company's investment in Trust I of $290,000 and Trust II of $157,000 are included in accrued interest receivable and other assets on the consolidated balance sheet. The junior subordinated deferrable interest debentures issued and guaranteed by the Company and held by Trust I and Trust II are reflected as debt on the consolidated balance sheet.

The accounting and reporting policies of Plumas Bancorp and subsidiary conform with accounting principles generally accepted in the United States of America and prevailing practices within the banking industry.

Reclassifications

Certain reclassifications have been made to prior years’ balances to conform to the classifications used in 2012. These reclassifications had no impact on the Company’s consolidated financial position, results of operations or net change in cash and cash equivalents.

Segment Information

Management has determined that since all of the banking products and services offered by the Company are available in each branch of the Bank, all branches are located within the same economic environment and management does not allocate resources based on the performance of different lending or transaction activities, it is appropriate to aggregate the Bank branches and report them as a single operating segment. No customer accounts for more than 10 percent of revenues for the Company or the Bank.

Use of Estimates

To prepare financial statements in conformity with accounting principles generally accepted in the United States of America management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses, loan servicing rights, deferred tax assets, and fair values of financial instruments are particularly subject to change.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Cash and Cash Equivalents

For the purpose of the statement of cash flows, cash and due from banks and Federal funds sold are considered to be cash equivalents. Generally, Federal funds are sold for one day periods. As of December 31, 2012 all cash held with other federally insured institutions was fully insured by the FDIC. Net cash flows are reported for customer loans and deposit transactions and repurchase agreements.

Investment Securities

Investments are classified into one of the following categories:

 

   

Available-for-sale securities reported at fair value, with unrealized gains and losses excluded from earnings and reported, net of taxes, as accumulated other comprehensive income (loss) within shareholders' equity.

 

   

Held-to-maturity securities, which management has the positive intent and ability to hold, reported at amortized cost, adjusted for the accretion of discounts and amortization of premiums.

Management determines the appropriate classification of its investments at the time of purchase and may only change the classification in certain limited circumstances.

As of December 31, 2012 and 2011 the Company did not have any investment securities classified as trading and gains or losses on the sale of securities are computed on the specific identification method. Interest earned on investment securities is reported in interest income, net of applicable adjustments for accretion of discounts and amortization of premiums accounted for by the level yield method with no pre-payment anticipated.

An investment security is impaired when its carrying value is greater than its fair value. Investment securities that are impaired are evaluated on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether such a decline in their fair value is other than temporary. Management utilizes criteria such as the magnitude and duration of the decline and the intent and ability of the Company to retain its investment in the securities for a period of time sufficient to allow for an anticipated recovery in fair value, in addition to the reasons underlying the decline, to determine whether the loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not necessarily favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Once a decline in value is determined to be other than temporary, and management does not intend to sell the security or it is more likely than not that the Company will not be required to sell the security before recovery, only the portion of the impairment loss representing credit exposure is recognized as a charge to earnings, with the balance recognized as a charge to other comprehensive income. If management intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its forecasted cost, the entire impairment loss is recognized as a charge to earnings.

 

F - 13


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Investment in Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank (FHLB) System, the Bank is required to maintain an investment in the capital stock of the FHLB. The investment is carried at cost classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. At December 31, 2012 and 2011, FHLB stock totaled $1,950,000 and $2,043,000, respectively. On the consolidated balance sheet, FHLB stock is included in accrued interest receivable and other assets.

Loans Held for Sale, Loan Sales and Servicing

Included in the loan portfolio are loans which are 75% to 85% guaranteed by the Small Business Administration (SBA), US Department of Agriculture Rural Business Cooperative Service (RBS) and Farm Services Agency (FSA). The guaranteed portion of these loans may be sold to a third party, with the Bank retaining the unguaranteed portion. The Company can receive a premium in excess of the adjusted carrying value of the loan at the time of sale.

As of December 31, 2012 and 2011 the Company had $3,367,000 and $3,091,000, respectively in government guaranteed loans held for sale. Loans held for sale are recorded at the lower of cost or fair value and therefore may be reported at fair value on a non-recurring basis. The fair values for loans held for sale are based on either observable transactions of similar instruments or formally committed loan sale prices.

Government guaranteed loans with unpaid balances of $58,696,000 and $47,708,000 were being serviced for others at December 31, 2012 and 2011, respectively. The Company also services loans previously sold to the Federal National Mortgage Association (FNMA) totaling $1,641,000 and $1,932,000 as of December 31, 2012 and 2011, respectively.

The Company accounts for the transfer and servicing of financial assets based on the fair value of financial and servicing assets it controls and liabilities it has assumed, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished.

Servicing rights acquired through 1) a purchase or 2) the origination of loans which are sold or securitized with servicing rights retained are recognized as separate assets or liabilities. Servicing assets or liabilities are recorded at fair value and are subsequently amortized in proportion to and over the period of the related net servicing income or expense. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with non-interest income on the statement of income. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Loans Held for Sale, Loan Sales and Servicing (continued)

 

The Company’s investment in the loan is allocated between the retained portion of the loan, the servicing asset, the interest-only (IO) strip, and the sold portion of the loan based on their fair values on the date the loan is sold. The gain on the sold portion of the loan is recognized as income at the time of sale.

The carrying value of the retained portion of the loan is discounted based on the estimated value of a comparable non-guaranteed loan. The servicing asset is recognized and amortized over the estimated life of the related loan. Assets (accounted for as IO strips) are recorded at the fair value of the difference between note rates and rates paid to purchasers (the interest spread) and contractual servicing fees, if applicable. IO strips are carried at fair value with gains or losses recorded as a component of shareholders’ equity, similar to available-for-sale investment securities. Significant future prepayments of these loans will result in the recognition of additional amortization of related servicing assets and an adjustment to the carrying value of related IO strips.

Loans

Loans that management has the intent and ability to hold for foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of purchase premiums or discounts, deferred loan fees and costs, and an allowance for loan losses. Loans, if any, that are transferred from loans held for sale are carried at the lower of principal balance or market value at the date of transfer, adjusted for accretion of discounts. Interest is accrued daily based upon outstanding loan balances. However, when, in the opinion of management, loans are considered to be impaired and the future collectability of interest and principal is in serious doubt, loans are placed on nonaccrual status and the accrual of interest income is suspended. Any interest accrued but unpaid is charged against income. Payments received are applied to reduce principal to the extent necessary to ensure collection. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment unless well secured and in the process of collection. Subsequent payments on these loans, or payments received on nonaccrual loans for which the ultimate collectability of principal is not in doubt, are applied first to earned but unpaid interest and then to principal.

Loan origination fees, commitment fees, direct loan origination costs and purchased premiums and discounts on loans are deferred and recognized as an adjustment of yield, to be amortized to interest income over the contractual term of the loan. The unamortized balance of deferred fees and costs is reported as a component of net loans.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Loans (continued)

 

The Company may acquire loans through a business combination or a purchase for which differences may exist between the contractual cash flows and the cash flows expected to be collected due, at least in part, to credit quality. When the Company acquires such loans, the yield that may be accreted (accretable yield) is limited to the excess of the Company’s estimate of undiscounted cash flows expected to be collected over the Company's initial investment in the loan. The excess of contractual cash flows over cash flows expected to be collected may not be recognized as an adjustment to yield, loss, or a valuation allowance. Subsequent increases in cash flows expected to be collected generally should be recognized prospectively through adjustment of the loan's yield over its remaining life. Decreases in cash flows expected to be collected should be recognized as an impairment.

The Company may not “carry over” or create a valuation allowance in the initial accounting for loans acquired under these circumstances. At December 31, 2012 and 2011, there were no such loans being accounted for under this policy.

Allowance for Loan Losses

The allowance for loan losses is an estimate of credit losses inherent in the Company’s loan portfolio that have been incurred as of the balance-sheet date. The allowance is established through a provision for loan losses which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of two primary components, specific reserves related to impaired loans and general reserves for inherent losses related to loans that are not impaired but collectively evaluated for impairment.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Loans determined to be impaired are individually evaluated for impairment. When a loan is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, it may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. A loan is collateral dependent if the repayment of the loan is expected to be provided solely by the underlying collateral.

A restructuring of a debt constitutes a troubled debt restructuring (TDR) if the Company, for economic or legal reasons related to the debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. Restructured workout loans typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. Loans that are reported as TDRs are considered impaired and measured for impairment as described above.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Allowance for Loan Losses (continued)

 

The determination of the general reserve for loans that are not impaired is based on estimates made by management, to include, but not limited to, consideration of historical losses by portfolio segment from January 1, 2008 (the beginning of the latest business cycle as determined by management) to the most current balance sheet date, internal asset classifications, and qualitative factors to include economic trends in the Company’s service areas, industry experience and trends, geographic concentrations, estimated collateral values, the Company’s underwriting policies, the character of the loan portfolio, and probable losses inherent in the portfolio taken as a whole. During 2012, the Company modified its method of estimating the allowance for loan losses for non-impaired loans. This modification incorporated historical losses from the beginning of the latest business cycle. Previously we utilized historical loss experience based on a rolling eight quarters ending with the most recently completed calendar quarter. This modification had the effect of increasing the required allowance related to the expanded historical loss period by $250,000. The Company believes that, given the recent trend in historical losses, it was prudent to increase the period examined and that a full business cycle was the appropriate period.

The Company maintains a separate allowance for each portfolio segment (loan type). These portfolio segments include commercial, agricultural, real estate construction (including land and development loans), commercial real estate mortgage, residential mortgage, home equity loans, automobile loans and other loans primarily consisting of consumer installment loans and credit card receivables. The allowance for loan losses attributable to each portfolio segment, which includes both impaired loans and loans that are not impaired, is combined to determine the Company’s overall allowance, and is included as a component of loans on the consolidated balance sheet.

The Company assigns a risk rating to all loans, with the exception of automobile and other loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Allowance for Loan Losses (continued)

 

The risk ratings can be grouped into five major categories, defined as follows:

Pass – A pass loan is a strong credit with no existing or known potential weaknesses deserving of management's close attention.

Watch – A Watch loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company’s credit position at some future date. Watch loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard – A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well defined weaknesses include a project's lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project's failure to fulfill economic expectations. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

Loss – Loans classified as loss are considered uncollectible and charged off immediately.

The general reserve component of the allowance for loan losses associated with loans collectively evaluated for impairment also consists of reserve factors that are based on management's assessment of the following for each portfolio segment: (1) historical losses and (2) other qualitative factors, including inherent credit risk. These reserve factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment described on the next page.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Allowance for Loan Losses (continued)

 

Commercial – Commercial loans generally possess a lower inherent risk of loss than real estate portfolio segments because these loans are generally underwritten to existing cash flows of operating businesses. Debt coverage is provided by business cash flows and economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans.

Agricultural – Loans secured by crop production and livestock are especially vulnerable to two risk factors that are largely outside the control of Company and borrowers: commodity prices and weather conditions.

Real estate – Residential and Home Equity Lines of Credit –The degree of risk in residential real estate lending depends primarily on the loan amount in relation to collateral value, the interest rate and the borrower's ability to repay in an orderly fashion. These loans generally possess a lower inherent risk of loss than other real estate portfolio segments. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Real estate – Commercial – Commercial real estate mortgage loans generally possess a higher inherent risk of loss than other real estate portfolio segments, except land and construction loans. Adverse economic developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability for properties to produce sufficient cash flow to service debt obligations.

Real estate – Construction and Land Development – Construction and land development loans generally possess a higher inherent risk of loss than other real estate portfolio segments. A major risk arises from the necessity to complete projects within specified cost and time lines. Trends in the construction industry significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate values significantly impact the credit quality of these loans, as property values determine the economic viability of construction projects.

Automobile – An automobile loan portfolio is usually comprised of a large number of smaller loans scheduled to be amortized over a specific period. Most automobile loans are made directly for consumer purchases, but business vehicles may also be included. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Other – Other loans primarily consist of consumer and credit card loans and are similar in nature to automobile loans.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Allowance for Loan Losses (continued)

 

Although management believes the allowance to be adequate, ultimate losses may vary from its estimates. At least quarterly, the Board of Directors and management review the adequacy of the allowance, including consideration of the relative risks in the portfolio, current economic conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews, the allowance is adjusted. In addition, the Company's primary regulators, the FDIC and DFI, as an integral part of their examination process, review the adequacy of the allowance. These regulatory agencies may require additions to the allowance based on their judgment about information available at the time of their examinations.

The Company also maintains a separate allowance for off-balance-sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for these commitments totaled $141,000 at December 31, 2012 and 2011, respectively and is included in accrued interest payable and other liabilities in the consolidated balance sheet.

Other Real Estate

Other real estate owned relates to real estate acquired in full or partial settlement of loan obligations, which was $5,295,000 ($8,517,000 less a valuation allowance of $3,222,000) at December 31, 2012 and $8,623,000 ($11,668,000 less a valuation allowance of $3,045,000) at December 31, 2011. Proceeds from sales of other real estate owned totaled $3,714,000, $4,937,000 and $3,462,000 for the years ended December 31, 2012, 2011 and 2010, respectively. For the year ended December 31, 2012 the Company recorded a loss on sale of other real estate owned of $16,000. This compares to a loss on sale of other real estate owned of $606,000 in 2011 and a gain on sale of $43,000 during 2010. Other real estate owned is initially recorded at fair value less cost to sell when acquired, any excess of the Bank's recorded investment in the loan balance and accrued interest income over the estimated fair value of the property less costs to sell is charged against the allowance for loan losses. A valuation allowance for losses on other real estate is maintained to provide for temporary declines in value. The allowance is established through a provision for losses on other real estate which is included in other expenses. Subsequent gains or losses on sales or write-downs resulting from permanent impairment are recorded in other income or expenses as incurred.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Other Real Estate (continued)

 

The following table provides a summary of the change in the OREO balance for the years ended December 31, 2012 and 2011:

 

     Year Ended December 31,  
     2012     2011  

Beginning balance

   $ 8,623,000      $ 8,867,000   

Additions

     1,309,000        5,825,000   

Dispositions

     (3,730,000     (5,490,000

Write-downs

     (907,000     (579,000
  

 

 

   

 

 

 

Ending balance

   $ 5,295,000      $ 8,623,000   
  

 

 

   

 

 

 

Intangible Assets

Intangible assets consist of core deposit intangibles related to branch acquisitions and are amortized using the straight-line method over ten years. The Company evaluates the recoverability and remaining useful life annually to determine whether events or circumstances warrant a revision to the intangible asset or the remaining period of amortization. There were no such events or circumstances in 2012 or 2011.

Premises and Equipment

Premises and equipment are carried at cost. Depreciation is determined using the straight-line method over the estimated useful lives of the related assets. The useful lives of premises are estimated to be twenty to thirty years. The useful lives of furniture, fixtures and equipment are estimated to be two to ten years. Leasehold improvements are amortized over the life of the asset or the life of the related lease, whichever is shorter. When assets are sold or otherwise disposed of, the cost and related accumulated depreciation or amortization are removed from the accounts, and any resulting gain or loss is recognized in income for the period. The cost of maintenance and repairs is charged to expense as incurred. The Company evaluates premises and equipment for financial impairment as events or changes in circumstances indicate that the carrying amount of such assets may not be fully recoverable.

Bank Owned Life Insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Income Taxes

The Company files its income taxes on a consolidated basis with its subsidiary. Income tax expense is the total of current year income tax due or refundable and the change in deferred tax assets and liabilities.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Income Taxes (continued)

 

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. A valuation allowance is recognized if, based on the weight of available evidence management believes it is more likely than not that some portion or all of the deferred tax assets will not be realized. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets.

Accounting for Uncertainty in Income Taxes

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated income statement. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the years ended December 31, 2012 and 2011.

Earnings Per Share

Basic earnings per share (EPS), which excludes dilution, is computed by dividing income available to common stockholders (net income less preferred dividends) by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted EPS.

Comprehensive Income

Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available for sale which are also recognized as separate components of equity.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Dividend Restrictions

Banking regulations require maintaining certain capital levels and may limit the dividend paid by the bank to the holding company or by the holding company to shareholders. In addition, the Bank and the Bancorp cannot currently pay dividends without the prior approval of their primary regulators.

Fair Value of Financial Instruments

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Stock-Based Compensation

Compensation expense related to the Company’s Stock Option Plan, net of related tax (expense)/benefit, recorded in 2012, 2011 and 2010 totaled $93,000, $(38,000) and $53,000 or $0.02, $(0.01) and $0.01 per diluted share, respectively. Compensation expense is recognized over the vesting period on a straight line accounting basis.

The Company determines the fair value of options on the date of grant using a Black-Scholes-Merton option pricing model that uses assumptions based on expected option life, expected stock volatility and the risk-free interest rate. The expected volatility assumptions used by the Company are based on the historical volatility of the Company’s common stock over the most recent period commensurate with the estimated expected life of the Company’s stock options. The Company bases its expected life assumption on its historical experience and on the terms and conditions of the stock options it grants to employees. The risk-free rate is based on the U.S. Treasury yield curve for the periods within the contractual life of the options in effect at the time of the grant. The Company also makes assumptions regarding estimated forfeitures that will impact the total compensation expenses recognized under the Plans.

The fair value of each option is estimated on the date of grant using the following assumptions.

 

     2011  

Expected life of stock options

     5.3 years   

Risk free interest rate

     2.26

Volatility

     46.1

Dividend yields

     3.05 %

Weighted-average fair value of options granted during the year

   $ 0.99   

No options were granted during the years ended December 31, 2012 and 2010.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

Adoption of New Accounting Standards

In May, 2011, the FASB issued an amendment to achieve common fair value measurement and disclosure requirements between U.S. and International accounting principles. Overall, the guidance is consistent with existing U.S. accounting principles; however, there are some amendments that change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. The amendments in this guidance are effective for interim and annual reporting periods beginning after December 15, 2011. The effect of adopting this standard did not have a material effect on the Company’s operating results or financial condition, but the additional disclosures are included in Note 4.

In June 2011, the FASB amended existing guidance and eliminated the option to present the components of other comprehensive income as part of the statement of changes in shareholders’ equity. The amendment requires that comprehensive income be presented in either a single continuous statement or in two separate consecutive statements. The amendments in this guidance are effective as of the beginning of a fiscal reporting year, and interim periods within that year, that begins after December 15, 2011. Early adoption is permitted. The implementation of the amended accounting guidance changed the presentation of the components of comprehensive income for the Company from a component of the consolidated statement of changes in shareholders’ equity to a separate statement following the consolidated statement of income.

4. FAIR VALUE MEASUREMENTS

The Company measures fair value under the fair value hierarchy described below.

Level 1: Quoted prices for identical instruments traded in active exchange markets.

Level 2: Quoted prices (unadjusted) for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable or can be corroborated by observable market data.

Level 3: Model based techniques that use one significant assumption not observable in the market. These unobservable assumptions reflect the Company’s estimates of assumptions that market participants would use on pricing the asset or liability. Valuation techniques include management judgment and estimation which may be significant.

In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

Management monitors the availability of observable market data to assess the appropriate classification of financial instruments within the fair value hierarchy. Changes in economic conditions or model-based valuation techniques may require the transfer of financial instruments from one fair value level to another. In such instances, the transfer is reported at the beginning of the reporting period.

Management evaluates the significance of transfers between levels based upon the nature of the financial instrument and size of the transfer relative to total assets, total liabilities or total earnings.

Fair Value of Financial Instruments

The carrying amounts and estimated fair values of financial instruments, at December 31, 2012 and December 31, 2011 are as follows:

 

            Fair Value Measurements at December 31, 2012 Using:  
     Carrying
Value
     Level 1      Level 2      Level 3      Total Fair
Value
 

Financial assets:

              

Cash and cash equivalents

   $ 44,675,000       $ 44,675,000             $ 44,675,000   

Investment securities

     80,964,000          $ 80,964,000            80,964,000   

Loans, net

     310,271,000             $ 313,929,000         313,929,000   

FHLB stock

     1,950,000                  N/A   

Accrued interest receivable

     1,677,000            248,000         1,429,000         1,677,000   

Financial liabilities:

              

Deposits

     411,562,000         340,986,000         70,696,000            411,682,000   

Repurchase Agreements

     7,377,000            7,377,000            7,377,000   

Junior subordinated deferrable interest debentures

     10,310,000               3,191,000         3,191,000   

Accrued interest payable

     1,115,000         6,000         90,000         1,019,000         1,115,0000   

 

            Fair Value Measurements at December 31, 2011 Using:  
     Carrying
Value
     Level 1      Level 2      Level 3      Total Fair
Value
 

Financial assets:

              

Cash and cash equivalents

   $ 63,076,000       $ 63,076,000             $ 63,076,000   

Investment securities

     57,917,000          $ 57,917,000            57,917,000   

Loans, net

     287,432,000             $ 290,710,000         290,710,000   

FHLB stock

     2,043,000                  N/A   

Accrued interest receivable

     1,638,000            241,000         1,397,000         1,638,000   

Financial liabilities:

              

Deposits

     391,140,000         310,765,000         80,645,000            391,410,000   

Repurchase Agreements

     8,279,000            8,279,000            8,279,000   

Junior subordinated deferrable interest debentures

     10,310,000               3,079,000         3,079,000   

Accrued interest payable

     783,000         7,000         167,000         609,000         783,000   

 

F - 25


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

These estimates do not reflect any premium or discount that could result from offering the Company's entire holdings of a particular financial instrument for sale at one time, nor do they attempt to estimate the value of anticipated future business related to the instruments. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates.

The following methods and assumptions were used by management to estimate the fair value of its financial instruments:

Cash and cash equivalents: The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.

Investment securities: Fair values for securities available for sale are generally determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2).

Loans: Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

FHLB stock: It was not practicable to determine the fair value of the FHLB stock due to restrictions placed on its transferability.

Deposits: The fair values disclosed for demand deposits, including interest and non-interest demand accounts, savings, and certain types of money market accounts are, by definition, equal to the carrying amount at the reporting date resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.

Repurchase agreements: The fair value of securities sold under repurchase agreements is estimated based on bid quotations received from brokers using observable inputs and are included as Level 2.

Junior subordinated deferrable interest debentures: The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

Accrued interest and payable: The carrying amounts of accrued interest approximate fair value and are considered to be linked in classification to the asset or liability for which they relate.

Commitments to extend credit and letters of credit: The fair value of commitments are estimated using the fees currently charged to enter into similar agreements and are not significant and, therefore, not presented. Commitments to extend credit are primarily for variable rate loans and letters of credit.

Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding current economic conditions, risk characteristics of various financial instruments and other factors. Those estimates that are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision are included in Level 3. Changes in assumptions could significantly affect the fair values presented.

The following tables present information about the Company’s assets and liabilities measured at fair value on a recurring and non-recurring basis as of December 31, 2012 and December 31, 2011, and indicates the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value:

Assets and liabilities measured at fair value on a recurring basis at December 31, 2012 are summarized below:

 

            Fair Value Measurements at December 31, 2012 Using  
     Total Fair
Value
     Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
     Significant Other
Observable Inputs
(Level 2)
     Significant
Unobservable
Inputs (Level 3)
 

Assets:

           

U.S. Government-sponsored agencies

   $ 38,442,000          $ 38,442,000      

U.S. Government-sponsored agencies collateralized by mortgage obligations

     42,522,000            42,522,000      
  

 

 

    

 

 

    

 

 

    

 

 

 
   $ 80,964,000       $ —         $ 80,964,000       $ —     
  

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

            Fair Value Measurements at December 31, 2011 Using  
     Total Fair
Value
     Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
     Significant Other
Observable Inputs
(Level 2)
     Significant
Unobservable
Inputs (Level 3)
 

Assets:

           

U.S. Government-sponsored agencies

   $ 32,777,000          $ 32,777,000      

U.S. Government-sponsored agencies collateralized by mortgage obligations

     25,140,000            25,140,000      
  

 

 

    

 

 

    

 

 

    

 

 

 
   $ 57,917,000       $ —         $ 57,917,000       $ —     
  

 

 

    

 

 

    

 

 

    

 

 

 

The fair value of securities available-for-sale equals quoted market price, if available. If quoted market prices are not available, fair value is determined using quoted market prices for similar securities or matrix pricing. There were no changes in the valuation techniques used during 2012 or 2011. Transfers between hierarchy measurement levels are recognized by the Company as of the beginning of the reporting period. During the year ended December 31, 2011, U.S. Government-sponsored agencies were transferred to Level 2 from level 1of the fair value hierarchy as the Company currently values these securities by relying on the securities’ relationship to other benchmark quoted securities. Changes in fair market value are recorded in other comprehensive income.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2012 are summarized below:

 

            Fair Value Measurements at December 31, 2012 Using  
     Total Fair
Value
     Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
     Significant Other
Observable
Inputs

(Level 2)
     Significant
Unobservable
Inputs

(Level 3)
     Total
Gains
(Losses)
 

Assets:

              

Impaired loans:

              

Commercial

   $ 3,066,000             $ 3,066,000       $ (346,000

Agricultural

     646,000               646,000         (1,000

Real estate – residential

     2,954,000               2,954,000         (308,000

Real estate – commercial

     4,128,000               4,128,000         (283,000

Real estate – construction and land development

     3,835,000               3,835,000         (712,000

Equity lines of credit

     690,000               690,000         (392,000

Auto

     —                 —           —     

Other

     —                 —          
(2,000

  

 

 

          

 

 

    

 

 

 

Total impaired loans

     15,319,000               15,319,000         (2,044,000
  

 

 

          

 

 

    

 

 

 

Other real estate:

              

Real estate – residential

     818,000               818,000         (85,000

Real estate – commercial

     1,953,000               1,953,000         (287,000

Real estate – construction and land development

     2,407,000               2,407,000         (535,000

Equity lines of credit

     117,000               117,000      
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total other real estate

     5,295,000         —           —           5,295,000         (907,000
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     $20,614,000       $ —         $ —         $ 20,614,000       $ (2,951,000
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2011 are summarized below:

 

            Fair Value Measurements at December 31, 2011 Using  
     Total Fair Value      Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
     Significant Other
Observable
Inputs
(Level 2)
     Significant
Unobservable
Inputs
(Level 3)
     Total
Gains
(Losses)
 

Assets:

              

Impaired loans:

              

Commercial

   $ 2,942,000             $ 2,942,000       $ (315,000

Agricultural

     245,000               245,000         (250,000

Real estate – residential

     2,558,000               2,558,000         (297,000

Real estate – commercial

     3,701,000               3,701,000         (52,000

Real estate – construction and land development

     4,070,000               4,070,000         (402,000

Equity lines of credit

     49,000               49,000         (100,000

Auto

     —                 —          
—  
  

Other

     —                 —           (1,000
  

 

 

          

 

 

    

 

 

 

Total impaired loans

     13,565,000               13,565,000         (1,417,000
  

 

 

          

 

 

    

 

 

 

Other real estate:

              

Real estate – residential

     644,000               644,000         (85,000

Real estate – commercial

     5,021,000               5,021,000         (54,000

Real estate – construction and land development

     2,958,000               2,958,000         (440,000
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total other real estate

     8,623,000               8,623,000         (579,000
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
   $ 22,188,000       $ —         $ —         $ 22,188,000       $ (1,996,000
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

The Company has no liabilities which are reported at fair value.

The following methods were used to estimate fair value.

Impaired Loans: The fair value of collateral dependent impaired loans with specific allocations of the allowance for loan losses or loans that have been subject to partial charge-offs are generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Total losses of $2,044,000 and $1,417,000 represent impairment charges recognized during the years ended December 31, 2012 and 2011, respectively, related to the above impaired loans.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

Other Real Estate: Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned (OREO) are measured at fair value, less costs to sell. Fair values are based on recent real estate appraisals. These appraisals may use a single valuation approach or a combination of approaches including comparable sales and the income approach.

Appraisals for both collateral-dependent impaired loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Appraisal Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. On a quarterly basis, the Company compares the actual selling price of similar collateral that has been liquidated to the most recent appraised value for unsold properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.

In certain cases we use discounted cash flow or similar internal modeling techniques to determine the fair value of our Level 3 assets and liabilities. Use of these techniques requires determination of relevant inputs and assumptions, some of which represent significant unobservable inputs. Accordingly, changes in these unobservable inputs may have a significant impact on fair value.

Certain of these unobservable inputs will (in isolation) have a directionally consistent impact on the fair value of the instrument for a given change in that input. Alternatively, the fair value of the instrument may move in an opposite direction for a given change in another input. Where multiple inputs are used within the valuation technique of an asset or liability, a change in one input in a certain direction may be offset by an opposite change in another input having a potentially muted impact to the overall fair value of that particular instrument. Additionally, a change in one unobservable input may result in a change to another unobservable input (that is, changes in certain inputs are interrelated to one another), which may counteract or magnify the fair value impact.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

4. FAIR VALUE MEASUREMENTS (Continued)

 

The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2012 (dollars in thousands):

 

    Fair     Valuation   Significant    Range

Description

  Value    

Technique

 

Unobservable Input

   (Weighted Average)

Impaired Loans:

        

Commercial

  $ 3,066      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 20% (10%)
    Management estimates     b. Management adjustments for depreciation in values depending on property types   

Agricultural

  $ 646      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 15% (8%)
    Management estimates   b. Management adjustments for depreciation in values depending on property types   

RE – Residential

  $ 2,954      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 25% (10%)
    Management estimates   b. Management adjustments for depreciation in values depending on property types   

RE – Commercial

  $ 4,128      Income Approach   a. Appraisers required to apply a discounted cash flow approach as sales data is limited    0% - 10% (7%)
    Management estimates   b. Management adjustments for depreciation in values depending on property types   

Land and Construction

  $ 3,835      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 15% (8%)
    Management estimates   b. Management adjustments for depreciation in values depending on property types   

Equity Lines of Credit

  $ 690      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 25% (10%)
    Management estimates   b. Management adjustments for depreciation in values depending on property types   

Other Real Estate:

        

RE – Residential

  $ 818      Sales Comparison   a. Appraiser adjustments on sales comp data    0% - 25% (10%)

Land and Construction

  $ 2,407      Sales Comparison     

RE – Commercial

  $ 1,953      Sales Comparison   b. Appraiser adjustments on land properties   

Equity Lines of Credit

  $ 117      Sales Comparison   based on discounted cash flow approach   

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

5. INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011 consisted of the following:

 

Available-for-Sale

   2012  
            Gross      Gross     Estimated  
     Amortized      Unrealized      Unrealized     Fair  
     Cost      Gains      Losses     Value  

Debt securities:

          

U.S. Government-sponsored agencies

   $ 38,291,000       $ 154,000       $ (3,000   $ 38,442,000   

U.S. Government-sponsored agencies collateralized by mortgage obligations

     42,112,000         434,000         (24,000     42,522,000   
  

 

 

    

 

 

    

 

 

   

 

 

 
   $ 80,403,000       $ 588,000       $ (27,000   $ 80,964,000   
  

 

 

    

 

 

    

 

 

   

 

 

 

Net unrealized gains on available-for-sale investment securities totaling $561,000 were recorded, net of $232,000 in tax expense, as accumulated other comprehensive income within shareholders' equity at December 31, 2012. During the year ended December 31, 2012, the Company sold twenty-five available-for-sale investment securities for $20,773,000, recording a $403,000 gain on sale. No securities were sold at a loss.

 

Available-for-Sale

   2011  
            Gross      Gross     Estimated  
     Amortized      Unrealized      Unrealized     Fair  
     Cost      Gains      Losses     Value  

Debt securities:

          

U.S. Government-sponsored agencies

   $ 32,708,000       $ 92,000       $ (23,000 ) $      32,777,000   

U.S. Government-sponsored agencies collateralized by mortgage obligations

     24,941,000         251,000         (52,000     25,140,000   
  

 

 

    

 

 

    

 

 

   

 

 

 
   $ 57,649,000       $ 343,000       $ (75,000 ) $      57,917,000   
  

 

 

    

 

 

    

 

 

   

 

 

 

Net unrealized gains on available-for-sale investment securities totaling $268,000 were recorded, net of $110,000 in tax expense, as accumulated other comprehensive income within shareholders' equity at December 31, 2011. During the year ended December 31, 2011 the Company sold twenty-seven available-for-sale investment securities for total proceeds of $29,404,000. The Company realized a gain on sale from twenty-five of these securities totaling $690,000 and a loss on sale on two securities of $24,000 resulting in the recognition of a $666,000 net gain on sale. During the year ended December 31, 2010 the Company sold sixty-five available-for-sale securities for $40,902,000, and realized a $1,160,000 gain on sale.

There were no transfers of available-for-sale investment securities during the years ended December 31, 2012, 2011 or 2010. There were no securities classified as held-to-maturity at December 31, 2012 or December 31, 2011.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

5. INVESTMENT SECURITIES (Continued)

 

Investment securities with unrealized losses at December 31, 2012 and 2011 are summarized and classified according to the duration of the loss period as follows:

 

December 31, 2012

   Less than 12 Months  
     Fair      Unrealized  
     Value      Losses  

Debt securities:

     

U.S. Government-sponsored agencies

   $ 2,004,000       $ 3,000   

U.S. Government- sponsored agencies collateralized by mortgage obligations

     7,002,000         24,000   
  

 

 

    

 

 

 
   $ 9,006,000       $ 27,000   
  

 

 

    

 

 

 

December 31, 2011

   Less than 12 Months  
     Fair
Value
     Unrealized
Losses
 

Debt securities:

     

U.S. Government-sponsored agencies

   $ 11,044,000       $ 23,000   

U.S. Government- sponsored agencies collateralized by mortgage obligations

     9,144,000         52,000   
  

 

 

    

 

 

 
   $ 20,188,000       $ 75,000   
  

 

 

    

 

 

 

There were no securities in a loss position for more than one year as of December 31, 2012 and 2011.

At December 31, 2012, the Company held 55 securities of which 8 were in a loss position. Of the securities in a loss position, all were in a loss position for less than twelve months. Of the 8 securities 2 are U.S. Government-sponsored agencies and 6 are U.S. Government-sponsored agencies collateralized by residential mortgage obligations. The unrealized losses relate principally to market rate conditions. All of the securities continue to pay as scheduled. When analyzing an issuer’s financial condition, management considers the length of time and extent to which the market value has been less than cost; the historical and implied volatility of the security; the financial condition of the issuer of the security; and the Company’s intent and ability to hold the security to recovery. As of December 31, 2012, management does not have the intent to sell these securities nor does it believe it is more likely than not that it will be required to sell these securities before the recovery of its amortized cost basis. Based on the Company’s evaluation of the above and other relevant factors, the Company does not believe the securities that are in an unrealized loss position as of December 31, 2012 are other than temporarily impaired.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

5. INVESTMENT SECURITIES (Continued)

 

The amortized cost and estimated fair value of investment securities at December 31, 2012 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because the issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties.

 

            Estimated  
     Amortized      Fair  
     Cost      Value  

Within one year

   $ 1,000,000         1,008,000   

After one year through five years

     37,291,000         37,434,000   

Investment securities not due at a single maturity date:

     

Government-sponsored mortgage-backed securities

     42,112,000         42,522,000   
  

 

 

    

 

 

 
   $ 80,403,000       $ 80,964,000   
  

 

 

    

 

 

 

Investment securities with amortized costs totaling $44,305,000 and $44,878,000 and estimated fair values totaling $44,535,0 00 and $45,149,000 at December 31, 2012 and 2011, respectively, were pledged to secure deposits and repurchase agreements.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES

Outstanding loans are summarized below:

 

     December 31,  
     2012     2011  

Commercial

   $ 29,552,000      $ 30,235,000   

Agricultural

     35,124,000        38,868,000   

Real estate – residential

     34,666,000        39,019,000   

Real estate – commercial

     139,546,000        119,412,000   

Real estate – construction and land development

     15,801,000        17,063,000   

Equity lines of credit

     36,873,000        37,581,000   

Auto

     19,283,000        7,241,000   

Other

     4,212,000        4,446,000   
  

 

 

   

 

 

 
     315,057,000        293,865,000   

Deferred loan costs, net

     900,000        475,000   

Allowance for loan losses

     (5,686,000     (6,908,000
  

 

 

   

 

 

 
   $ 310,271,000      $ 287,432,000   
  

 

 

   

 

 

 

Changes in the allowance for loan losses were as follows:

 

     Year Ended December 31,  
     2012     2011     2010  

Balance, beginning of year

   $ 6,908,000      $ 7,324,000      $ 9,568,000   

Provision charged to operations

     2,350,000        3,500,000        5,500,000   

Losses charged to allowance

     (3,901,000     (4,247,000     (8,349,000

Recoveries

     329,000        331,000        605,000   
  

 

 

   

 

 

   

 

 

 

Balance, end of year

   $ 5,686,000      $ 6,908,000      $ 7,324,000   
  

 

 

   

 

 

   

 

 

 

The recorded investment in impaired loans totaled $18,850,000 and $24,402,000 at December 31, 2012 and 2011, respectively. The Company had specific allowances for loan losses of $1,186,000 on impaired loans of $14,334,000 at December 31, 2012 as compared to specific allowances for loan losses of $2,066,000 on impaired loans of $14,130,000 at December 31, 2011. The balance of impaired loans in which no specific reserves were required totaled $4,516,000 and $10,272,000 at December 31, 2012 and 2011, respectively. The average recorded investment in impaired loans for the years ended December 31, 2012, 2011 and 2010 was $19,816,000, $25,536,000 and $20,833,000, respectively. The Company recognized $597,000, $666,000 and $608,000 in interest income on impaired loans during the years ended December 31, 2012, 2011 and 2010, respectively.

Included in impaired loans are troubled debt restructurings. A troubled debt restructuring is a formal restructure of a loan where the Company for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower. The concessions may be granted in various forms to include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

The carrying value of troubled debt restructurings at December 31, 2012 and December 31, 2011 was $12,296,000 and $12,188,000, respectively. The Company has allocated $348,000 and $1,164,000 of specific reserves on loans to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2012 and December 31, 2011, respectively. The Company has not committed to lend additional amounts on loans classified as troubled debt restructurings at December 31, 2012 and December 31, 2011.

During the twelve month period ended December 31, 2012, the terms of certain loans were modified as troubled debt restructurings. Modifications involving a reduction of the stated interest rate of the loan was for periods ranging from 1 month to 10 years. During the twelve month period ended December 31, 2011, the terms of certain loans were modified as troubled debt restructurings. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from 1 month to 2 years. For the periods described above, modifications involving an extension of the maturity date were for periods ranging from 1 month to 10 years

The following table presents loans by class modified as troubled debt restructurings that occurred during the twelve months ending December 31, 2012:

 

     Number of
Loans
     Pre-Modification
Outstanding
Recorded Investment
     Post-Modification
Recorded
Investment
 

Troubled Debt Restructurings:

        

Commercial

     1       $ 24,000       $ 24,000   

Real Estate:

        

Residential

     2         819,000         800,000   

Construction and land development

     3         289,000         289,000   

Commercial

     3         2,497,000         2,491,000   

Dealer

     2         11,000         11,000   
  

 

 

    

 

 

    

 

 

 

Total

     11       $ 3,640,000       $ 3,615,000   
  

 

 

    

 

 

    

 

 

 

The troubled debt restructurings described above decreased the allowance for loan losses by $118,000 during the year ending December 31, 2012. The troubled debt restructurings described above did not result in charge offs during the year ending December 31, 2012.

 

F - 37


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The following table presents loans by class modified as troubled debt restructurings that occurred during the twelve months ending December 31, 2011:

 

     Number of
Loans
     Pre-Modification
Outstanding
Recorded Investment
     Post-Modification
Recorded

Investment
 

Troubled Debt Restructurings:

        

Commercial

     2       $ 129,000       $ 129,000   

Agricultural

     4         996,000         996,000   

Real Estate:

        

Construction and land development

     5         4,977,000         4,977,000   

Equity lines of credit

     1         787,000         787,000   

Dealer

     19         179,000         179,000   
  

 

 

    

 

 

    

 

 

 

Total

     31       $ 7,068,000       $ 7,068,000   
  

 

 

    

 

 

    

 

 

 

The troubled debt restructurings described above increased the allowance for loan losses by $132,000 during the year ending December 31, 2011. The troubled debt restructurings described above did not result in charge offs during the year ending December 31, 2011.

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the twelve months ended December 31, 2012.

 

     Number of      Recorded  
     Loans      Investment  

Troubled Debt Restructurings:

     

Real estate – construction

     1       $ 2,978   
  

 

 

    

 

 

 

Total

     1       $ 2,978   
  

 

 

    

 

 

 

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the twelve months ended December 31, 2011.

 

     Number of      Recorded  
     Loans      Investment  

Troubled Debt Restructurings:

     

Agricultural

     3       $ 630,000   

Real estate – construction

     2         139,000   

Equity lines of credit

     1         787,000   
  

 

 

    

 

 

 

Total

     6       $ 1,556,000   
  

 

 

    

 

 

 

 

F - 38


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The troubled debt restructurings that subsequently defaulted described above increased the allowance for loan losses by $81,000 and resulted in charge-offs of $51,000 during the year ending December 31, 2011.

The terms of certain other loans were modified during the years ending December 31, 2012 and 2011 that did not meet the definition of a troubled debt restructuring. These loans have a total recorded investment as of December 31, 2012 and 2011 of $9 million and $13.5 million, respectively.

These loans which were modified during the years ended December 31, 2012 and 2011 did not meet the definition of a troubled debt restructuring as the modification was a delay in a payment ranging from 30 days to 3 months that was considered to be insignificant or the borrower was not considered to be experiencing financial difficulties.

At December 31, 2012 and 2011, nonaccrual loans totaled $13,683,000 and $16,757,000, respectively. Interest foregone on nonaccrual loans totaled $646,000, $510,000 and $1,021,000 for the twelve months ended December 31, 2012, 2011 and 2010, respectively. Loans past due 90 days or more and on accrual status totaled $15,000 and $72,000 at December 31, 2012 and 2011, respectively.

Salaries and employee benefits totaling $953,000, $706,000 and $638,000 have been deferred as loan origination costs during the years ended December 31, 2012, 2011 and 2010, respectively.

The Company assigns a risk rating to all loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The risk ratings can be grouped into five major categories, defined as follows:

Pass – A pass loan is a strong credit with no existing or known potential weaknesses deserving of management’s close attention.

Watch – A Watch loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company’s credit position at some future date. Watch loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard – A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well defined weaknesses include a project’s lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project’s failure to fulfill economic expectations. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

Loss – Loans classified as loss are considered uncollectible and charged off immediately.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The following table shows the loan portfolio allocated by management's internal risk ratings at the dates indicated, in thousands:

 

December 31, 2012

   Commercial Credit Exposure  
     Credit Risk Profile by Internally Assigned Grade  
     Commercial      Agricultural      Real Estate-
Residential
     Real Estate-
Commercial
     Real Estate-
Construction
     Equity LOC      Total  

Grade:

                    

Pass

   $ 27,260       $ 33,801       $ 31,239       $ 128,919       $ 10,863       $ 34,142       $ 266,224   

Watch

     1,145         466         751         3,237         149         965         6,713   

Substandard

     1,138         857         2,676         7,390         4,789         1,766         18,616   

Doubtful

     9         —           —           —           —           —           9   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 29,552       $ 35,124       $ 34,666       $ 139,546       $ 15,801       $ 36,873       $ 291,562   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

December 31, 2011

   Commercial Credit Exposure  
     Credit Risk Profile by Internally Assigned Grade  
     Commercial      Agricultural      Real Estate-
Residential
     Real Estate-
Commercial
     Real Estate-
Construction
     Equity LOC      Total  

Grade:

                    

Pass

   $ 26,077       $ 34,882       $ 34,049       $ 101,395       $ 11,383       $ 34,296       $ 242,082   

Watch

     1,562         1,595         629         5,575         50         1,300         10,711   

Substandard

     2,433         2,391         4,327         12,442         5,630         1,974         29,197   

Doubtful

     163         —           14         —           —           11         188   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 30,235       $ 38,868       $ 39,019       $ 119,412       $ 17,063       $ 37,581       $ 282,178   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     Consumer Credit Exposure             Consumer Credit Exposure  
     Credit Risk Profile Based on Payment Activity             Credit Risk Profile Based on Payment Activity  
     December 31, 2012             December 31, 2011  
     Auto      Other      Total             Auto      Other      Total  

Grade:

                    

Performing

   $ 19,239       $ 4,193       $ 23,432          $ 7,165       $ 4,324       $ 11,489   

Non-performing

     44         19         63            76         122         198   
  

 

 

    

 

 

    

 

 

       

 

 

    

 

 

    

 

 

 

Total

   $ 19,283       $ 4,212       $ 23,495          $ 7,241       $ 4,446       $ 11,687   
  

 

 

    

 

 

    

 

 

       

 

 

    

 

 

    

 

 

 

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The following tables show the allocation of the allowance for loan losses by impairment methodology at the dates indicated, in thousands:

 

                 Real Estate-     Real Estate-     Real Estate-                          
     Commercial     Agricultural     Residential     Commercial     Construction     Equity LOC     Auto     Other     Total  

Year ended 12/31/12:

                  

Allowance for Loan Losses

                  

Beginning balance

   $ 1,025      $ 330      $ 698      $ 1,925      $ 2,006      $ 635      $ 95      $ 194      $ 6,908   

Charge-offs

     (909     (250     (358     (258     (1,524     (377     (72     (153     (3,901

Recoveries

     66        —          1        7        81        46        51        77        329   

Provision

     673        79        553        (18     387        432        215        29        2,350   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

   $ 855      $ 159      $ 894      $ 1,656      $ 950      $ 736      $ 289      $ 147      $ 5,686   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2012:

                  

Allowance for Loan Losses

                  

Ending balance: individually evaluated for impairment

   $ 192      $ 1      $ 459      $ 284      $ 68      $ 180      $ —        $ 2      $ 1,186   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

   $ 663      $ 158      $ 435      $ 1,372      $ 882      $ 556      $ 289      $ 145      $ 4,500   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                  

Ending balance

   $ 29,552      $ 35,124      $ 34,666      $ 139,546      $ 15,801      $ 36,873      $ 19,283      $ 4,212      $ 315,057   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

   $ 3,478      $ 647      $ 3,598      $ 4,528      $ 5,191      $ 1,360      $ 44      $ 4      $ 18,850   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

   $ 26,074      $ 34,477      $ 31,068      $ 135,018      $ 10,610      $ 35,513      $ 19,239      $ 4,208      $ 296,207   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Year ended 12/31/11:

                  

Allowance for Loan Losses

                  

Beginning balance

   $ 760      $ 184      $ 632      $ 1,819      $ 3,011      $ 652      $ 112      $ 154      $ 7,324   

Charge-offs

     (446     (93     (147     (336     (2,603     (311     (64     (247     (4,247

Recoveries

     93        106        1        17        5        2        82        25        331   

Provision

     618        133        212        425        1,593        292        (35     262        3,500   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

   $ 1,025      $ 330      $ 698      $ 1,925      $ 2,006      $ 635      $ 95      $ 194      $ 6,908   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2011:

                  

Allowance for Loan Losses

                  

Ending balance: individually evaluated for impairment

   $ 310      $ 250      $ 355      $ 148      $ 901      $ 101      $ —        $ 1      $ 2,066   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

   $ 715      $ 80      $ 343      $ 1,777      $ 1,105      $ 534      $ 95      $ 193      $ 4,842   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                  

Ending balance

   $ 30,235      $ 38,868      $ 39,019      $ 119,412      $ 17,063      $ 37,581      $ 7,241      $ 4,446      $ 293,865   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

   $ 4,946      $ 1,268      $ 4,257      $ 5,557      $ 6,754      $ 1,494      $ 76      $ 50      $ 24,402   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

   $ 25,289      $ 37,600      $ 34,762      $ 113,855      $ 10,309      $ 36,087      $ 7,165      $ 4,396      $ 269,463   
  

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

F - 42


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The following table shows an aging analysis of the loan portfolio by the time past due at the dates indicated (amounts in thousands):

 

     30-89 Days      90 Days and             Total                

December 31, 2012

   Past Due      Still Accruing      Nonaccrual      Past Due      Current      Total  

Commercial:

                 

Commercial

   $ 329       $ —         $ 3,303       $ 3,632       $ 25,920       $ 29,552   

Agricultural

     —           —           380         380         34,744         35,124   

Real estate – construction

     156         —           3,314         3,470         12,331         15,801   

Real estate

     1,271         —           3,378         4,649         134,897         139,546   

Residential:

                 

Real estate

     242         —           1,911         2,153         32,513         34,666   

Equity LOC

     527         —           1,349         1,876         34,997         36,873   

Consumer:

                 

Auto

     151         11         44         206         19,077         19,283   

Other

     102         4         4         110         4,102         4,212   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 2,778       $ 15       $ 13,683       $ 16,476       $ 298,581       $ 315,057   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
     30-89 Days      90 Days and             Total                

December 31, 2011

   Past Due      Still Accruing      Nonaccrual      Past Due      Current      Total  

Commercial:

                 

Commercial

   $ 456       $ —         $ 4,819       $ 5,275       $ 24,960       $ 30,235   

Agricultural

     —           —           999         999         37,869         38,868   

Real estate – construction

     1,113         —           634         1,747         15,316         17,063   

Real estate

     1,939         —           5,557         7,496         111,916         119,412   

Residential:

                 

Real estate

     461         —           3,141         3,602         35,417         39,019   

Equity LOC

     775         —           1,481         2,256         35,325         37,581   

Consumer:

                 

Auto

     232         —           76         308         6,933         7,241   

Other

     150         72         50         272         4,174         4,446   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 5,126       $ 72       $ 16,757       $ 21,955       $ 271,910       $ 293,865   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

 

F - 43


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Continued)

 

The following tables show information related to impaired loans at the dates indicated, in thousands:

 

            Unpaid             Average      Interest  
     Recorded      Principal      Related      Recorded      Income  

As of December 31, 2012:

   Investment      Balance      Allowance      Investment      Recognized  

With no related allowance recorded:

              

Commercial

   $ 1,022       $ 1,398          $ 1,597       $ 16   

Agricultural

     245         725            573         39   

Real estate – construction

     1,429         1,503            1,106         98   

Real estate – commercial

     941         1,013            1,997         96   

Real estate – residential

     343         354            1,336         28   

Equity Lines of Credit

     490         490            613         22   

Auto

     44         44            60         5   

Other

     2         2            45         6   

With an allowance recorded:

              

Commercial

   $ 2,456       $ 2,849       $ 192       $ 2,765       $ 20   

Agricultural

     402         402         1         403         20   

Real estate – construction

     3,762         5,187         68         2,056         35   

Real estate – commercial

     3,587         3,588         284         3,473         102   

Real estate – residential

     3,255         3,255         459         2,818         105   

Equity Lines of Credit

     870         1,082         180         974         5   

Auto

     —           —           —           —           —     

Other

     2         2         2         —           —     

Total:

              

Commercial

   $ 3,478       $ 4,247       $ 192       $ 4,362       $ 36   

Agricultural

     647         1,127         1         976         59   

Real estate – construction

     5,191         6,690         68         3,162         133   

Real estate – commercial

     4,528         4,601         284         5,470         198   

Real estate – residential

     3,598         3,609         459         4,154         133   

Equity Lines of Credit

     1,360         1,572         180         1,587         27   

Auto

     44         44         —           60         5   

Other

     4         4         2         45         6   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 18,850       $ 21,894       $ 1,186       $ 19,816       $ 597   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 
            Unpaid             Average      Interest  
     Recorded      Principal      Related      Recorded      Income  

As of December 31, 2011:

   Investment      Balance      Allowance      Investment      Recognized  

With no related allowance recorded:

              

Commercial

   $ 2,506       $ 2,882          $ 2,458       $ 56   

Agricultural

     923         1,153            931         62   

Real estate – construction

     1,955         2,210            6,911         117   

Real estate – commercial

     1,707         1,707            4,751         70   

Real estate – residential

     1,711         1,739            2,069         106   

Equity Lines of Credit

     1,345         1,345            1,285         22   

Auto

     76         76            102         10   

Other

     49         49            91         2   

With an allowance recorded:

              

Commercial

   $ 2,440       $ 2,440       $ 310       $ 1,349       $ 25   

Agricultural

     345         345         250         345         —     

Real estate – construction

     4,799         4,850         901         2,521         186   

Real estate – commercial

     3,850         3,850         148         1,664         —     

Real estate – residential

     2,546         2,546         355         1,005         9   

Equity Lines of Credit

     149         149         101         53         1   

Auto

     —           —           —           —           —     

Other

     1         1         1         1         —     

Total:

              

Commercial

   $ 4,946       $ 5,322       $ 310       $ 3,807       $ 81   

Agricultural

     1,268         1,498         250         1,276         62   

Real estate – construction

     6,754         7,060         901         9,432         303   

Real estate – commercial

     5,557         5,557         148         6,415         70   

Real estate – residential

     4,257         4,285         355         3,074         115   

Equity Lines of Credit

     1,494         1,494         101         1,338         23   

Auto

     76         76         —           102         10   

Other

     50         50         1         92         2   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

Total

   $ 24,402       $ 25,342       $ 2,066       $ 25,536       $ 666   
  

 

 

    

 

 

    

 

 

    

 

 

    

 

 

 

 

F - 44


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

7. PREMISES AND EQUIPMENT

Premises and equipment consisted of the following:

 

     December 31,  
     2012     2011  

Land

   $ 2,628,000      $ 2,628,000   

Premises

     15,417,000        15,412,000   

Furniture, equipment and leasehold improvements

     10,179,000        9,874,000   
  

 

 

   

 

 

 
     28,224,000        27,914,000   

Less accumulated depreciation and amortization

     (14,953,000     (14,457,000
  

 

 

   

 

 

 
   $ 13,271,000      $ 13,457,000   
  

 

 

   

 

 

 

Depreciation and amortization included in occupancy and equipment expense totaled $1,181,000, $1,233,000 and $1,521,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

8. DEPOSITS

Interest-bearing deposits consisted of the following:

 

     December 31,  
     2012      2011  

Interest-bearing demand deposits

   $ 83,384,000       $ 82,025,000   

Money market

     43,751,000         38,840,000   

Savings

     70,205,000         63,969,000   

Time, $100,000 or more

     27,886,000         31,624,000   

Other time

     42,690,000         48,751,000   
  

 

 

    

 

 

 
   $ 267,916,000       $ 265,209,000   
  

 

 

    

 

 

 

At December 31, 2012, the scheduled maturities of time deposits were as follows:

 

Year Ending December 31,

      

2013

   $ 52,605,000   

2014

     11,941,000   

2015

     3,820,000   

2016

     1,841,000   

2017

     272,000   

thereafter

     97,000   
  

 

 

 
   $ 70,576,000   
  

 

 

 

 

F - 45


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

8. DEPOSITS (Continued)

 

At December 31, 2012, the contractual maturities of time deposits with a denomination of $100,000 and over were as follows: $10,797,000 in 3 months or less, $4,305,000 over 3 months through 6 months, $6,398,000 over 6 months through 12 months, and $6,386,000 over 12 months.

Deposit overdrafts reclassified as loan balances were $392,000 and $331,000 at December 31, 2012 and 2011, respectively.

9. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

Securities sold under agreements to repurchase are secured by U.S. Government agency securities with a carrying amount of $7,377,000 and $8,279,000 at December 31, 2012 and 2011, respectively. There were no securities sold under agreements to repurchase during 2010.

Securities sold under agreements to repurchase are financing arrangements that mature within two years. At maturity, the securities underlying the agreements are returned to the Company. Information concerning securities sold under agreements to repurchase during 2012 and 2011 is summarized as follows:

 

     2012  

Average daily balance during the year

   $ 5,982,000   

Average interest rate during the year

     0.27

Maximum month-end balance during the year

   $ 8,041,000   

Weighted average interest rate at year-end

     0.25
     2011  

Average daily balance during the year

   $ 3,124,000   

Average interest rate during the year

     0.42

Maximum month-end balance during the year

   $ 8,300,000   

Weighted average interest rate at year-end

     0.41

10. BORROWING ARRANGEMENTS

The Company is a member of the FHLB and can borrow up to $98,000,000 from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $191,000,000. The Company is required to hold FHLB stock as a condition of membership. At December 31, 2012, the Company held $1,950,000 of FHLB stock which is recorded as a component of other assets. At this level of stock holdings the Company can borrow up to $41,000,000. To borrow the $98,000,000 in available credit the Company would need to purchase $2,661,000 in additional FHLB stock. There were no outstanding borrowings under this agreement at December 31, 2012 and 2011.

 

F - 46


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

11. JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES

Plumas Statutory Trust I and II are Connecticut business trusts formed by the Company with capital of $290,000 and $157,000, respectively, for the sole purpose of issuing trust preferred securities fully and unconditionally guaranteed by the Company. Under applicable regulatory guidance, the amount of trust preferred securities that is eligible as Tier 1 capital is limited to twenty-five percent of the Company's Tier 1 capital, as defined, on a pro forma basis. At December 31, 2012, all of the trust preferred securities that have been issued qualify as Tier 1 capital.

During 2002, Plumas Statutory Trust I issued 6,000 Floating Rate Capital Trust Pass-Through Securities ("Trust Preferred Securities"), with a liquidation value of $1,000 per security, for gross proceeds of $6,000,000. During 2005, Plumas Statutory Trust II issued 4,000 Trust Preferred Securities with a liquidation value of $1,000 per security, for gross proceeds of $4,000,000. The entire proceeds were invested by Trust I in the amount of $6,186,000 and Trust II in the amount of $4,124,000 in Floating Rate Junior Subordinated Deferrable Interest Debentures (the "Subordinated Debentures") issued by the Company, with identical maturity, repricing and payment terms as the Trust Preferred Securities. The Subordinated Debentures represent the sole assets of Trusts I and II.

Trust I’s Subordinated Debentures mature on September 26, 2032, bear a current interest rate of 3.71% (based on 3-month LIBOR plus 3.40%), with repricing and payments due quarterly. Trust II’s Subordinated Debentures mature on September 28, 2035, bear a current interest rate of 1.79% (based on 3-month LIBOR plus 1.48%), with repricing and payments due quarterly. The Subordinated Debentures are redeemable by the Company, subject to receipt by the Company of prior approval from the Federal Reserve Board of Governors, on any quarterly anniversary date on or after the 5-year anniversary date of the issuance. The redemption price is par plus accrued and unpaid interest, except in the case of redemption under a special event which is defined in the debenture. The Trust Preferred Securities are subject to mandatory redemption to the extent of any early redemption of the Subordinated Debentures and upon maturity of the Subordinated Debentures on September 26, 2032 for Trust I and September 28, 2035 for Trust II.

Holders of the Trust Preferred Securities are entitled to a cumulative cash distribution on the liquidation amount of $1,000 per security. The interest rate of the Trust Preferred Securities issued by Trust I adjust on each quarterly anniversary date to equal the 3-month LIBOR plus 3.40%. The Trust Preferred Securities issued by Trust II adjust on each quarterly anniversary date to equal the 3-month LIBOR plus 1.48%. Both Trusts I and II have the option to defer payment of the distributions for a period of up to five years, as long as the Company is not in default on the payment of interest on the Subordinated Debentures. The Trust Preferred Securities were sold and issued in private transactions pursuant to an exemption from registration under the Securities Act of 1933, as amended. The Company has guaranteed, on a subordinated basis, distributions and other payments due on the Trust Preferred Securities. Since the second quarter of 2010, the Company has deferred regularly scheduled quarterly interest payments on its outstanding junior subordinated debentures relating to its two trust preferred securities and has given notice of deferral each quarterly payment period.

 

F - 47


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

11. JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Continued)

 

While the Company has accrued for this obligation, it has been deferring the interest payments on the junior subordinated debentures as permitted by the agreements. As of December 31, 2012 and 2011, the amount of the arrearage on the payments on the subordinated debt associated with the trust preferred securities was $906,000 and $569,000, respectively. On March 15, 2013, with the approval of the Federal Reserve Bank of San Francisco (FRB), the Company made all current and deferred interest payments on its trust preferred securities.

Interest expense recognized by the Company for the years ended December 31, 2012, 2011 and 2010 related to the subordinated debentures was $344,000, $326,000 and $312,000, respectively.

12. COMMITMENTS AND CONTINGENCIES

Leases

The Company has commitments for leasing premises under the terms of noncancelable operating leases expiring from 2013 to 2015. Future minimum lease payments are as follows:

 

Year Ending       

December 31,

      

2013

   $ 91,000   

2014

     60,000   

2015

     31,000   
  

 

 

 
   $ 182,000   
  

 

 

 

Rental expense included in occupancy and equipment expense totaled $153,000, $150,000 and $20,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

Financial Instruments With Off-Balance-Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on the consolidated balance sheet.

The Company's exposure to credit loss in the event of nonperformance by the other party for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and letters of credit as it does for loans included on the consolidated balance sheet.

The following financial instruments represent off-balance-sheet credit risk:

 

     December 31,  
     2012      2011  

Commitments to extend credit

   $ 76,030,000       $ 79,164,000   

Letters of credit

   $ 110,000       $ 50,000   

 

 

F - 48


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

12. COMMITMENTS AND CONTINGENCIES (Continued)

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, crops, inventory, equipment, income-producing commercial properties, farm land and residential properties.

Letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. The fair value of the liability related to these letters of credit, which represents the fees received for issuing the guarantees, was not significant at December 31, 2012 and 2011. The Company recognizes these fees as revenues over the term of the commitment or when the commitment is used.

At December 31, 2012, consumer loan commitments represent approximately 21% of total commitments and are generally unsecured. Commercial and agricultural loan commitments represent approximately 35% of total commitments and are generally secured by various assets of the borrower. Real estate loan commitments, including consumer home equity lines of credit, represent the remaining 44% of total commitments and are generally secured by property with a loan-to-value ratio not to exceed 80%. In addition, the majority of the Company’s commitments have variable interest rates.

Concentrations of Credit Risk

The Company grants real estate mortgage, real estate construction, commercial, agricultural and consumer loans to customers throughout Plumas, Nevada, Placer, Lassen, Sierra, Shasta and Modoc counties in California and Washoe county in Northern Nevada.

Although the Company has a diversified loan portfolio, a substantial portion of its portfolio is secured by commercial and residential real estate. A continued substantial decline in the economy in general, or a continued decline in real estate values in the Company’s primary market areas in particular, could have an adverse impact on the collectability of these loans. However, personal and business income represents the primary source of repayment for a majority of these loans.

Contingencies

The Company is subject to legal proceedings and claims which arise in the ordinary course of business. In the opinion of management, the amount of ultimate liability with respect to such actions will not materially affect the financial position or results of operations of the Company.

 

F - 49


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

13. SHAREHOLDERS’ EQUITY

Dividend Restrictions

The Company's ability to pay cash dividends is dependent on dividends paid to it by the Bank and limited by California corporation law. Under California law, the holders of common stock of the Company are entitled to receive dividends when and as declared by the Board of Directors, out of funds legally available, subject to certain restrictions. The California general corporation law prohibits the Company from paying dividends on its common stock unless: (i) its retained earnings, immediately prior to the dividend payment, equals or exceeds the amount of the dividend or (ii) immediately after giving effect to the dividend, the sum of the Company's assets (exclusive of goodwill and deferred charges) would be at least equal to 125% of its liabilities (not including deferred taxes, deferred income and other deferred liabilities) and the current assets of the Company would be at least equal to its current liabilities, or, if the average of its earnings before taxes on income and before interest expense for the two preceding fiscal years was less than the average of its interest expense for the two preceding fiscal years, at least equal to 125% of its current liabilities.

Dividends from the Bank to the Company are restricted under California law to the lesser of the Bank's retained earnings or the Bank's net income for the latest three fiscal years, less dividends previously declared during that period, or, with the approval of the DFI, to the greater of the retained earnings of the Bank, the net income of the Bank for its last fiscal year, or the net income of the Bank for its current fiscal year. As of December 31, 2012, the maximum amount available for dividend distribution under this restriction was approximately $4,800,000. In addition the Company’s ability to pay dividends is subject to certain covenants contained in the indentures relating to the Trust Preferred Securities issued by the business trusts (see Note 11 for additional information related to the Trust Preferred Securities).

As described below, dividends on common stock are also limited related to the Company’s participation in the Capital Purchase Program. Additionally, Plumas Bancorp is required by the FRB to obtain the FRB’s prior written consent before paying any dividends on its common stock or its Series A Preferred Stock, or making any payments on its trust preferred securities. On March 15, 2013, with the approval of the FRB, the Company made all current and deferred interest payments on its trust preferred securities.

Preferred Stock

On January 30, 2009 the Company entered into a Letter Agreement (the “Purchase Agreement”) with the United States Department of the Treasury (“Treasury”), pursuant to which the Company issued and sold (i) 11,949 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “Series A Preferred Stock”) and (ii) a warrant (the “Warrant”) to purchase 237,712 shares of the Company’s common stock, no par value (the “Common Stock”), for an aggregate purchase price of $11,949,000 in cash.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

 

13. SHAREHOLDERS’ EQUITY (Continued)

 

The Warrant has a 10-year term and is exercisable, with an exercise price, subject to antidilution adjustments, equal to $7.54 per share of the Common Stock. Treasury has agreed not to exercise voting power with respect to any shares of Common Stock issued upon exercise of the Warrant.

The Company allocated the proceeds received on January 30, 2009 between the Series A Preferred Stock and the Warrant based on the estimated relative fair value of each. The fair value of the Warrant was estimated based on a Black-Scholes-Merton model and totaled $320,000. The discount recorded on the Series A Preferred Stock was based on a discount rate of 12% and will be amortized by the level-yield method over 5 years. Discount accretion for the years ended December 31, 2012, 2011, and 2010 totaled $87,000, $87,000 and $87,000, respectively.

The Series A Preferred Stock qualifies as Tier 1 capital and will pay cumulative dividends quarterly at a rate of 5% per annum for the first five years, and 9% per annum thereafter. The Company may redeem the Series A Preferred Stock at its liquidation preference ($1,000 per share) plus accrued and unpaid dividends under the American Recovery and Reinvestment Act of 2009, subject to the Treasury’s consultation with the Company’s appropriate federal regulator.

With respect to dividends on the Company’s common stock, Treasury’s consent shall be required for any increase in common dividends per share until the third anniversary of the date of its investment unless prior to such third anniversary the Series A Preferred Stock is redeemed in whole or the Treasury has transferred all of the Senior Preferred Series A Preferred Stock to third parties. Furthermore, with respect to dividends on certain other series of preferred stock, restrictions from Treasury may apply. The Company does not have any outstanding preferred stock other than the Series A Preferred Stock discussed above.

During the second quarter of 2010, Plumas Bancorp, as required by the FRB, suspended the declaration and payment of future quarterly cash dividends on its Series A Preferred Stock. Plumas Bancorp is in arrears in the amount of $1,643,000 and $1,046,000 with the dividend payments on the Series A Preferred Stock as of December 31, 2012 and 2011, respectively.

Earnings Per Share

Basic earnings per share is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted earnings per share.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

13. SHAREHOLDERS’ EQUITY (Continued)

 

 

     For the Year Ended December 31,  

(In thousands, except per share data)

   2012     2011     2010  

Net Income:

      

Net income

   $ 1,950      $ 941      $ 971   

Dividends on preferred shares

     (684     (684     (684
  

 

 

   

 

 

   

 

 

 

Net income available to common shareholders

   $ 1,266      $ 257      $ 287   
  

 

 

   

 

 

   

 

 

 

Earnings Per Share:

      

Basic earnings per share

   $ 0.26      $ 0.05      $ 0.06   

Diluted earnings per share

   $ 0.26      $ 0.05      $ 0.06   

Weighted Average Number of Shares Outstanding:

      

Basic shares

     4,776        4,776        4,776   

Diluted shares

     4,782        4,776        4,776   

Shares of common stock issuable under stock options for which the exercise prices were greater than the average market prices were not included in the computation of diluted earnings per share due to their antidilutive effect. When a net loss occurs, no difference in earnings per share is calculated because the conversion of potential common stock is anti-dilutive. Stock options not included in the computation of diluted earnings per share, due to shares not being in the-money and having an antidilutive effect, were 394,000, 483,000 and 312,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

13. SHAREHOLDERS’ EQUITY (Continued)

 

Stock Options

In 2001, the Company established a Stock Option Plan for which 419,806 shares of common stock remain reserved for issuance to employees and directors and no shares are available for future grants as of December 31, 2012. The Plan requires that the option price may not be less than the fair market value of the stock at the date the option is granted, and that the stock must be paid in full at the time the option is exercised. Payment in full for the option price must be made in cash or with Company common stock previously acquired by the optionee and held by the optionee for a period of at least six months. The Plan does not provide for the settlement of awards in cash and new shares are issued upon option exercise. The options expire on dates determined by the Board of Directors, but not later than ten years from the date of grant. Upon grant, options vest ratably over a three to five year period. A summary of the activity within the Plan follows:

 

     Shares     Weighted
Average
Exercise
Price
     Weighted
Average
Remaining
Contractual
Term
     Intrinsic
Value
 

Options outstanding at January 1, 2010

     403,966      $ 13.56         

Options cancelled

     (91,936     14.05         
  

 

 

         

Options outstanding at December 31, 2010

     312,030      $ 13.41         

Options granted

     248,000        2.95         

Options cancelled

     (77,250     9.05         
  

 

 

         

Options outstanding at December 31, 2011

     482,780      $ 8.74         

Options cancelled

     (62,974     9.17         
  

 

 

         

Options outstanding at December 31, 2012

     419,806      $ 8.67         4.2       $ 65,286   
  

 

 

         

Options exercisable at December 31, 2012

     262,913      $ 12.08         3.0       $ 16,647   

Expected to vest after December 31, 2012

     131,909      $ 2.95         6.2       $ 40,892   

As of December 31, 2012, there was $88,000 of total unrecognized compensation cost related to non-vested share-based compensation arrangements granted under the Plan. That cost is expected to be recognized over a weighted average period of 2.2 years.

The total fair value of options vested was $89,000 and $153,000 for the year ended December 31, 2012 and 2011, respectively.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

13. SHAREHOLDERS’ EQUITY (Continued)

 

Regulatory Capital

The Company and the Bank are subject to certain regulatory capital requirements administered by the Board of Governors of the Federal Reserve System and the FDIC. Failure to meet these minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements.

Under capital adequacy guidelines, the Company and the Bank must meet specific capital guidelines that involved quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. These quantitative measures are established by regulation and require that minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets be maintained. Capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

The Bank is also subject to additional capital guidelines under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table on the following page and cannot be subject to a written agreement, order or capital directive issued by the FDIC. Management believes that the Company and the Bank met all capital adequacy requirements to which they are subject.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

13. SHAREHOLDERS’ EQUITY (Continued)

 

Regulatory Capital (continued)

 

 

     December 31,  
     2012     2011  
     Amount      Ratio     Amount      Ratio  

Leverage Ratio

          

Plumas Bancorp and Subsidiary

   $ 49,052,000         10.3   $ 45,024,000         9.8

Minimum regulatory requirement

   $ 19,040,000         4.0   $ 18,313,000         4.0

Plumas Bank

   $ 49,662,000         10.4   $ 45,073,000         9.8

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

   $ 23,852,000         5.0   $ 22,882,000         5.0

Minimum regulatory requirement

   $ 19,032,000         4.0   $ 18,305,000         4.0

Tier 1 Risk-Based Capital Ratio

          

Plumas Bancorp and Subsidiary

   $ 49,052,000         13.9   $ 45,024,000         13.7

Minimum regulatory requirement

   $ 14,143,000         4.0   $ 13,149,000         4.0

Plumas Bank

   $ 49,662,000         14.1   $ 45,073,000         13.7

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

   $ 21,200,000         6.0   $ 19,710,000         6.0

Minimum regulatory requirement

   $ 14,133,000         4.0   $ 13,140,000         4.0

Total Risk-Based Capital Ratio

          

Plumas Bancorp and Subsidiary

   $ 53,489,000         15.1   $ 49,169,000         15.0

Minimum regulatory requirement

   $ 28,286,000         8.0   $ 26,298,000         8.0

Plumas Bank

   $ 54,096,000         15.3   $ 49,215,000         15.0

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

   $ 35,333,000         10.0   $ 32,850,000         10.0

Minimum regulatory requirement

   $ 28,266,000         8.0   $ 26,280,000         8.0

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

14. OTHER EXPENSES

Other expenses consisted of the following:

 

     Year Ended December 31,  
     2012      2011      2010  

Outside service fees

   $ 1,503,000       $ 1,270,000       $ 1,212,000   

Professional fees

     875,000         730,000         587,000   

FDIC Insurance

     613,000         1,099,000         1,009,000   

Telephone and data communications

     308,000         331,000         338,000   

Business development

     268,000         262,000         250,000   

Director compensation and retirement

     255,000         229,000         233,000   

Advertising and promotion

     251,000         236,000         252,000   

Armored car and courier

     224,000         225,000         239,000   

Loan collection expenses

     219,000         261,000         261,000   

OREO expenses

     187,000         422,000         573,000   

Core deposit intangible amortization

     173,000         173,000         173,000   

Stationery and supplies

     124,000         140,000         145,000   

Insurance

     120,000         42,000         125,000   

Postage

     104,000         190,000         207,000   

Loss (gain) on sale of other real estate

     16,000         606,000         (43,000

Other operating expenses

     239,000         168,000         396,000   
  

 

 

    

 

 

    

 

 

 
   $ 5,479,000       $ 6,384,000       $ 5,957,000   
  

 

 

    

 

 

    

 

 

 

15. INCOME TAXES

The provision for income taxes for the years ended December 31, 2012, 2011 and 2010 consisted of the following:

 

     Federal      State      Total  

2012

        

Current

   $ 25,000       $ 3,000       $ 28,000   

Deferred

     812,000         230,000         1,042,000   
  

 

 

    

 

 

    

 

 

 

Provision for income taxes

   $ 837,000       $ 233,000       $ 1,070,000   
  

 

 

    

 

 

    

 

 

 

 

     Federal      State      Total  

2011

        

Current

   $ 34,000       $ 2,000       $ 36,000   

Deferred

     228,000         31,000         259,000   
  

 

 

    

 

 

    

 

 

 

Provision for income taxes

   $ 262,000       $ 33,000       $ 295,000   
  

 

 

    

 

 

    

 

 

 

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

15. INCOME TAXES (Continued)

 

 

     Federal      State      Total  

2010

        

Current

      $ 4,000       $ 4,000   

Deferred

   $ 277,000         108,000         385,000   
  

 

 

    

 

 

    

 

 

 

Provision for income taxes

   $ 277,000       $ 112,000       $ 389,000   
  

 

 

    

 

 

    

 

 

 

Deferred tax assets (liabilities) consisted of the following:

 

     December 31,  
     2012     2011  

Deferred tax assets:

    

Allowance for loan losses

   $ 327,000      $ 1,183,000   

Net operating loss carryovers

     2,636,000        2,867,000   

Deferred compensation

     1,739,000        1,661,000   

Core deposit premium

     234,000        245,000   

OREO valuation allowance

     1,326,000        1,253,000   

Other

     621,000        607,000   
  

 

 

   

 

 

 

Total deferred tax assets

     6,883,000        7,816,000   
  

 

 

   

 

 

 

Deferred tax liabilities:

    

Prepaid costs

     (103,000     (167,000

Deferred loan costs

     (960,000     (779,000

Unrealized gain on available-for-sale investment securities

     (232,000     (110,000

Other

     (154,000     (162,000
  

 

 

   

 

 

 

Total deferred tax liabilities

     (1,449,000     (1,218,000
  

 

 

   

 

 

 

Net deferred tax assets

   $ 5,434,000      $ 6,598,000   
  

 

 

   

 

 

 

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The determination of the amount of deferred income tax assets which are more likely than not to be realized is primarily dependent on projections of future earnings, which are subject to uncertainty and estimates that may change given economic conditions and other factors. The realization of deferred income tax assets is assessed and a valuation allowance is recorded if it is "more likely than not" that all or a portion of the deferred tax asset will not be realized. "More likely than not" is defined as greater than a 50% chance. All available evidence, both positive and negative is considered to determine whether, based on the weight of that evidence, a valuation allowance is needed.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

15. INCOME TAXES (Continued)

 

As part of its analysis, the Company considered the following positive evidence:

 

   

The Company has a long history of earnings and profitability.

 

   

The Company has been profitable for each of the years in the three year period ended December 31, 2012. Additionally, the Company is projecting future taxable and book income will be generated by operations.

 

   

The volume of potential problem loans in the Company’s loan portfolio has significantly decreased.

 

   

The Company does not have a history of net operating losses carry forwards or tax credits expiring unused.

At December 31, 2012 total deferred tax assets were approximately $6,883,000 and total deferred tax liabilities were approximately $1,449,000 for a net deferred tax asset of $5,434,000. The Company’s deferred tax assets primarily relate to net operating loss carry-forwards and timing differences in the tax deductibility of the provision for loan losses, impairment charges on other real estate owned and deferred compensation. Based upon our analysis of available evidence, management of the Company determined that it is "more likely than not" that all of our deferred income tax assets as of December 31, 2012 and 2011 will be fully realized and therefore no valuation allowance was recorded. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets.

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated statement of income. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the year ended December 31, 2012.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

15. INCOME TAXES (Continued)

 

The provision for income taxes differs from amounts computed by applying the statutory Federal income tax rate to operating income before income taxes. The significant items comprising these differences consisted of the following:

 

     2012     2011     2010  

Federal income tax, at statutory rate

     34.0     34.0     34.0

State franchise tax, net of Federal tax effect

     5.7     4.4     5.5

Interest on obligations of states and political subdivisions

     (0.3 )%      (2.7 )%      (4.4 )% 

Net increase in cash surrender value of bank owned life insurance

     (3.9 )%      (9.7 )%      (8.8 )% 

Other

     (0.1 )%      (2.1 )%      2.3
  

 

 

   

 

 

   

 

 

 

Effective tax rate

     35.4     23.9     28.6
  

 

 

   

 

 

   

 

 

 

At year-end 2012, the Company had federal operating loss carry-forwards of approximately $4,818,000 which expire at various dates from 2029 to 2031. In addition, at year end 2012, the Company had state operating loss carry-forwards of approximately $13,946,000 which expire at various dates from 2029 to 2031. Deferred tax assets are recognized for net operating losses because the benefit is more likely than not to be realized.

The Company and its subsidiary file income tax returns in the U.S. federal and California jurisdictions. The Company conducts all of its business activities in the states of California and Nevada. There are currently no pending U.S. federal, state, and local income tax or non-U.S. income tax examinations by tax authorities.

With few exceptions, the Company is no longer subject to tax examinations by U.S. Federal taxing authorities for years ended before December 31, 2009, and by state and local taxing authorities for years ended before December 31, 2008.

The unrecognized tax benefits and changes therein and the interest and penalties accrued by the Company as of or during the years ended December 31, 2012 and 2011 were not significant. The Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months.

16. RELATED PARTY TRANSACTIONS

During the normal course of business, the Company enters into transactions with related parties, including executive officers and directors. The following is a summary of the aggregate activity involving related party borrowers during 2012:

 

Balance, January 1, 2012

   $ 595,000   

Disbursements

     9,000   

Amounts repaid

     (131,000
  

 

 

 

Balance, December 31, 2012

   $ 473,000   
  

 

 

 

Undisbursed commitments to related parties, December 31, 2012

   $ 651,000   
  

 

 

 

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

17. EMPLOYEE BENEFIT PLANS

Profit Sharing Plan

The Plumas Bank Profit Sharing Plan commenced April 1, 1988 and is available to employees meeting certain service requirements. Under the Plan, employees are able to defer a selected percentage of their annual compensation. Included under the Plan's investment options is the option to invest in Company stock. The Company's contribution consists of the following:

 

  For the three months ended March 31, 2010 a contribution which matches the participant's contribution, up to a maximum of 3% of the employee's compensation. No contribution was made for the years ended December 31, 2012 and 2011 or the nine months ended December 31, 2010.

 

  An additional discretionary contribution. No discretionary contribution was made for the years ended December 31, 2012, 2011 and 2010.

During the years ended December 31, 2012, 2011 and 2010, the Company's contribution totaled $0, $0 and $41,000, respectively.

Salary Continuation and Retirement Agreements

Salary continuation and retirement agreements are in place for two key executives and seven members of the Board of Directors as well as four former executives and four former directors. Under these agreements, the directors and executives will receive monthly payments for twelve to fifteen years, respectively, after retirement. The estimated present value of these future benefits is accrued over the period from the effective dates of the agreements until the participants' expected retirement dates. The expense recognized under these plans for the years ended December 31, 2012, 2011 and 2010 totaled $507,000, $385,000 and $342,000, respectively. Accrued compensation payable under these plans totaled $4,002,000 and $3,784,000 at December 31, 2012 and 2011, respectively.

In connection with these agreements, the Bank purchased single premium life insurance policies with cash surrender values totaling $11,160,000 and $10,815,000 at December 31, 2012 and 2011, respectively. Income earned on these policies, net of expenses, totaled $345,000, $352,000 and $351,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

 

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PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

18. INTANGIBLE ASSETS

During 2003, the Company acquired certain assets and liabilities of five branches from another bank. Upon acquisition, premises and equipment were valued at fair value and a core deposit premium was recorded as an intangible asset. This core deposit premium is amortized using the straight-line method over ten years. Annually, the intangible asset is analyzed for impairment.

At December 31, 2012, 2011 and 2010, no impairment of the intangible asset has been recognized in the consolidated financial statements. Amortization expense totaled $173,000 for each of the years ended December 31, 2012, 2011 and 2010.

The gross carrying amount of intangible assets and accumulated amortization was:

 

     December 31, 2012      December 31, 2011  
     Gross Carrying      Accumulated      Gross Carrying      Accumulated  
     Amount      Amortization      Amount      Amortization  

Core Deposit Intangibles

   $ 1,709,000       $  1,580,000       $  1,709,000       $ 1,407,000   

The intangibles will be fully amortized at September 30, 2013.

 

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Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

19. PARENT ONLY CONDENSED FINANCIAL STATEMENTS

CONDENSED BALANCE SHEETS

December 31, 2012 and 2011

 

     2012      2011  
ASSETS      

Cash and cash equivalents

   $ 477,000       $ 660,000   

Investment in bank subsidiary

     51,372,000         48,822,000   

Other assets

     1,334,000         1,086,000   
  

 

 

    

 

 

 

Total assets

   $ 53,183,000       $ 50,568,000   
  

 

 

    

 

 

 

LIABILITIES AND

SHAREHOLDERS’ EQUITY

     

Other liabilities

   $ 1,023,000       $ 624,000   

Junior subordinated deferrable interest debentures

     10,310,000         10,310,000   
  

 

 

    

 

 

 

Total liabilities

     11,333,000         10,934,000   
  

 

 

    

 

 

 

Shareholders’ equity:

     

Preferred stock

     11,855,000         11,769,000   

Common stock

     6,093,000         5,998,000   

Retained earnings

     23,573,000         21,709,000   

Accumulated other comprehensive income

     329,000         158,000   
  

 

 

    

 

 

 

Total shareholders’ equity

     41,850,000         39,634,000   
  

 

 

    

 

 

 

Total liabilities and shareholders’ equity

   $ 53,183,000       $ 50,568,000   
  

 

 

    

 

 

 

CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Income:

      

Earnings from investment in Plumas Statutory Trusts I and II

     10,000        10,000        9,000   

Expenses:

      

Interest on junior subordinated deferrable interest debentures

     344,000        326,000        312,000   

Other expenses

     242,000        199,000        242,000   
  

 

 

   

 

 

   

 

 

 

Total expenses

     586,000        525,000        554,000   
  

 

 

   

 

 

   

 

 

 

Loss before equity in undistributed income of subsidiary

     (576,000     (515,000     (545,000

Equity in undistributed income of subsidiary

     2,289,000        1,244,000        1,292,000   
  

 

 

   

 

 

   

 

 

 

Income before income taxes

     1,713,000        729,000        747,000   

Income tax benefit

     237,000        212,000        224,000   
  

 

 

   

 

 

   

 

 

 

Net income

   $ 1,950,000      $ 941,000      $ 971,000   
  

 

 

   

 

 

   

 

 

 

Total comprehensive income

   $ 2,121,000      $ 1,151,000      $ 297,000   
  

 

 

   

 

 

   

 

 

 

 

F - 62


Table of Contents

PLUMAS BANCORP AND SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Continued)

 

20. PARENT ONLY CONDENSED FINANCIAL STATEMENTS (Continued)

 

CONDENSED STATEMENTS OF CASH FLOWS

For the Years Ended December 31, 2012, 2011 and 2010

 

     2012     2011     2010  

Cash flows from operating activities:

      

Net income

   $ 1,950,000      $ 941,000      $ 971,000   

Adjustments to reconcile net income to net cash provided by (used in) operating activities:

      

Undistributed income of subsidiary

     (2,289,000     (1,244,000     (1,292,000

Stock-based compensation expense

     5,000        2,000        10,000   

Increase in other assets

     (248,000     (15,000     (619,000

Increase in other liabilities

     399,000        350,000        (4,000
  

 

 

   

 

 

   

 

 

 

Net cash (used in) provided by operating activities

     (183,000     34,000        (934,000
  

 

 

   

 

 

   

 

 

 

Cash flows from investing activities:

      

Investment in bank subsidiary

         (2,000,000
  

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

     —          —          (2,000,000
  

 

 

   

 

 

   

 

 

 

Cash flows from financing activities:

      

Payment of cash dividends on preferred stock

         (150,000
  

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

     —          —          (150,000
  

 

 

   

 

 

   

 

 

 

Increase (decrease) in cash and cash equivalents

     (183,000     34,000        (3,084,000

Cash and cash equivalents at beginning of year

     660,000        626,000        3,710,000   
  

 

 

   

 

 

   

 

 

 

Cash and cash equivalents at end of year

   $ 477,000      $ 660,000      $ 626,000   
  

 

 

   

 

 

   

 

 

 

 

 

F - 63


Table of Contents
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

 

ITEM 9A. CONTROLS AND PROCEDURES

As of the end of the period covered by this report, we conducted an evaluation, under the supervision and with the participation of our Chief Executive Officer and Chief Financial Officer, of our disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934). Based on this evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures are effective to ensure that information required to be disclosed by us in reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in Securities and Exchange Commission rules and forms. There was no change in our internal control over financial reporting during our most recently completed fiscal quarter that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

REPORT OF MANAGEMENT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

The management of Plumas Bancorp and subsidiary (the “Company”), is responsible for establishing and maintaining adequate internal control over financial reporting, as defined in Rules 13a-15(f) and 15d-15(f) under the Securities Exchange Act of 1934.

Management, including the undersigned Chief Executive Officer and Chief Financial Officer, assessed the effectiveness of our internal control over financial reporting presented in conformity with accounting principles generally accepted in the United States of America as of December 31, 2012. In conducting its assessment, management used the criteria established by the Committee of Sponsoring Organizations of the Treadway Commission in Internal Control — Integrated Framework. Based on this assessment, management concluded that, as of December 31, 2012, our internal control over financial reporting was effective based on those criteria.

This annual report does not include an attestation report of the Company's independent registered public accounting firm regarding internal control over financial reporting. Management's report was not subject to attestation by the Company's independent registered public accounting firm pursuant to the rules of the Securities and Exchange Commission that permit the Company to provide only management's report in this annual report.

 

/s/ Andrew J. Ryback
Andrew J. Ryback
President and Chief Executive Officer
/s/ Richard L. Belstock
Richard L. Belstock
Executive Vice President and Chief Financial Officer

Dated March 22, 2013

 

47


Table of Contents
ITEM 9B. OTHER INFORMATION

None.

PART III

 

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The information required by Item 10 can be found in Plumas Bancorp’s Definitive Proxy Statement pursuant to Regulation 14A under the Securities Exchange Act of 1934, and is by this reference incorporated herein.

 

ITEM 11. EXECUTIVE COMPENSATION

The information required by Item 11 can be found in Plumas Bancorp’s Definitive Proxy Statement pursuant to Regulation 14A under the Securities Exchange Act of 1934, and is by this reference incorporated herein.

 

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

The information required by Item 12 can be found in Plumas Bancorp’s Definitive Proxy Statement pursuant to Regulation 14A under the Securities Exchange Act of 1934, and is by this reference incorporated herein.

 

48


Table of Contents
ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

The information required by Item 13 can be found in Plumas Bancorp’s Definitive Proxy Statement pursuant to Regulation 14A under the Securities Exchange Act of 1934, and is by this reference incorporated herein.

 

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES

The information required by Item 14 can be found in Plumas Bancorp’s Definitive Proxy Statement pursuant to Regulation 14A under the Securities Exchange Act of 1934, and is by this reference incorporated herein.

PART IV

 

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

 

(a) Exhibits

The following documents are included or incorporated by reference in this Annual Report on Form 10K.

 

3.1    Articles of Incorporation as amended of Registrant included as exhibit 3.1 to the Registrant’s Form S-4, File No. 333-84534, which is incorporated by reference herein.
3.2    Bylaws of Registrant as amended on March 16, 2011 included as exhibit 3.2 to the Registrant’s Form 10-K for December 31, 2010, which is incorporated by this reference herein.
3.3    Amendment of the Articles of Incorporation of Registrant dated November 1, 2002, is included as exhibit 3.3 to the Registrant’s 10-Q for September 30, 2005, which is incorporated by this reference herein.
3.4    Amendment of the Articles of Incorporation of Registrant dated August 17, 2005, is included as exhibit 3.4 to the Registrant’s 10-Q for September 30, 2005, which is incorporated by this reference herein.
4    Specimen form of certificate for Plumas Bancorp included as exhibit 4 to the Registrant’s Form S-4, File No. 333-84534, which is incorporated by reference herein.
4.1    Certificate of Determination of Fixed Rate Cumulative Perpetual Preferred Stock, Series A, is included as exhibit 4.1 to Registrant’s 8-K filed on January 30, 2009, which is incorporated by this reference herein.
10.1    Executive Salary Continuation Agreement of Andrew J. Ryback dated December 17, 2008, is included as exhibit 10.1 to the Registrant’s 10-K for December 31, 2008, which is incorporated by this reference herein.
10.2    Split Dollar Agreement of Andrew J. Ryback dated August 23, 2005, is included as Exhibit 10.2 to the Registrant’s 8-K filed on October 17, 2005, which is incorporated by this reference herein.
10.8    Director Retirement Agreement of John Flournoy dated March 21, 2007, is included as Exhibit 10.8 to Registrant’s 10-Q for March 31, 2007, which is incorporated by this reference herein.
10.18    Amended and Restated Director Retirement Agreement of Daniel E. West dated May 10, 2000, is included as Exhibit 10.18 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.

 

49


Table of Contents
10.19    Consulting Agreement of Daniel E. West dated May 10, 2000, is included as Exhibit 10.19 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.21    Amended and Restated Director Retirement Agreement of Alvin G. Blickenstaff dated April 19, 2000, is included as Exhibit 10.21 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.22    Consulting Agreement of Alvin G. Blickenstaff dated May 8, 2000, is included as Exhibit 10.22 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.24    Amended and Restated Director Retirement Agreement of Gerald W. Fletcher dated May 10, 2000, is included as Exhibit 10.24 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.25    Consulting Agreement of Gerald W. Fletcher dated May 10, 2000, is included as Exhibit 10.25 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.27    Amended and Restated Director Retirement Agreement of Arthur C. Grohs dated May 9, 2000, is included as Exhibit 10.27 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.28    Consulting Agreement of Arthur C. Grohs dated May 9, 2000, is included as Exhibit 10.28 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.33    Amended and Restated Director Retirement Agreement of Terrance J. Reeson dated April 19, 2000, is included as Exhibit 10.33 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.34    Consulting Agreement of Terrance J. Reeson dated May 10, 2000, is included as Exhibit 10.34 to the Registrant’s 10-QSB for June 30, 2002, which is incorporated by this reference herein.
10.35    Letter Agreement, dated January 30, 2009 by and between Plumas Bancorp, Inc. and the United States Department of the Treasury and Securities Purchase Agreement — Standard Terms attached thereto, is included as exhibit 10.1 to Registrant’s 8-K filed on January 30, 2009, which is incorporated by this reference herein.
10.36    Form of Senior Executive Officer letter agreement, is included as exhibit 10.2 to Registrant’s 8-K filed on January 30, 2009, which is incorporated by this reference herein.
10.37    Deferred Fee Agreement of Alvin Blickenstaff is included as Exhibit 10.37 to the Registrant’s 10-Q for March 31, 2009, which is incorporated by this reference herein.
10.40    2001 Stock Option Plan as amended is included as exhibit 99.1 of the Form S-8 filed July 23, 2002, File No. 333-96957, which is incorporated by this reference herein.
10.41    Form of Indemnification Agreement (Plumas Bancorp) is included as Exhibit 10.41 to the Registrant’s 10-Q for March 31, 2009, which is incorporated by this reference herein.
10.42    Form of Indemnification Agreement (Plumas Bank) is included as Exhibit 10.42 to the Registrant’s 10-Q for March 31, 2009, which is incorporated by this reference herein.
10.43    Plumas Bank 401(k) Profit Sharing Plan as amended is included as exhibit 99.1 of the Form S-8 filed February 14, 2003, File No. 333-103229, which is incorporated by this reference herein.

 

50


Table of Contents
10.46    1991 Stock Option Plan as amended is included as Exhibit 10.46 to the Registrant’s 10-Q for September 30, 2004, which is incorporated by this reference herein.
10.47    Specimen form of Incentive Stock Option Agreement under the 1991 Stock Option Plan is included as Exhibit 10.47 to the Registrant’s 10-Q for September 30, 2004, which is incorporated by this reference herein.
10.48    Specimen form of Non-Qualified Stock Option Agreement under the 1991 Stock Option Plan is included as Exhibit 10.48 to the Registrant’s 10-Q for September 30, 2004, which is incorporated by this reference herein.
10.49    Amended and Restated Plumas Bancorp Stock Option Plan is included as Exhibit 10.49 to the Registrant’s 10-Q for September 30, 2006, which is incorporated by this reference herein.
10.50    Executive Salary Continuation Agreement of Rose Dembosz, is included as exhibit 10.50 to the Registrant’s 10-K for December 31, 2008, which is incorporated by this reference herein.
10.51    First Amendment to Split Dollar Agreement of Andrew J. Ryback, is included as exhibit 10.51 to the Registrant’s 10-K for December 31, 2008, which is incorporated by this reference herein.
10.64    First Amendment to the Plumas Bank Amended and Restated Director Retirement Agreement for Alvin Blickenstaff adopted on September 19, 2007, is included as Exhibit 10.64 to the Registrant’s 8-K filed on September 25, 2007, which is incorporated by this reference herein.
10.65    First Amendment to the Plumas Bank Amended and Restated Director Retirement Agreement for Arthur C. Grohs adopted on September 19, 2007, is included as Exhibit 10.65 to the Registrant’s 8-K filed on September 25, 2007, which is incorporated by this reference herein.
10.66    Director Retirement Agreement of Robert McClintock, is included as Exhibit 10.66 to the Registrant’s 10-K filed on March 23, 2012, which is incorporated by this reference herein.
10.67    First Amendment to the Plumas Bank Amended and Restated Director Retirement Agreement for Terrance J. Reeson adopted on September 19, 2007, is included as Exhibit 10.67 to the Registrant’s 8-K filed on September 25, 2007, which is incorporated by this reference herein.
10.69    First Amendment to the Plumas Bank Amended and Restated Director Retirement Agreement for Daniel E. West adopted on September 19, 2007, is included as Exhibit 10.69 to the Registrant’s 8-K filed on September 25, 2007, which is incorporated by this reference herein.
10.70    First Amendment to the Plumas Bank Amended and Restated Director Retirement Agreement for Gerald W. Fletcher adopted on October 9, 2007, is included as Exhibit 10.70 to the Registrant’s 10-Q for September 30, 2007, which is incorporated by this reference herein.
10.73    Written Agreement with Federal Reserve Bank of San Francisco effective July 28, 2011, is included as Exhibit 10.1 of the Registrant’s 8-K filed on July 29, 2011, which is incorporated by this reference herein.

 

51


Table of Contents
11    Computation of per share earnings appears in the attached 10-K under Item 8 Financial Statements Plumas Bancorp and Subsidiary Notes to Consolidated Financial Statements as Footnote 13 – Shareholders’ Equity.
21.01    Plumas Bank – California.
21.02    Plumas Statutory Trust I – Connecticut.
21.03    Plumas Statutory Trust II – Connecticut.
23.01    Independent Registered Public Accountant’s Consent for audit of years ended December 31, 2012 and December 31, 2011 dated March 22, 2013.
23.02    Independent Registered Public Accountant’s Consent for audit of year ended December 31, 2010 dated March 22, 2013.
31.1    Rule 13a-14(a) [Section 302] Certification of Principal Financial Officer dated March 22, 2013.
31.2    Rule 13a-14(a) [Section 302] Certification of Principal Executive Officer dated March 22, 2013.
32.1    Certification of Principal Financial Officer pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 dated March 22, 2013.
32.2    Certification of Principal Executive Officer pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 dated March 22, 2013.
99.1    Certification of Chief Executive Officer pursuant to Section 111(b)(4) of the Emergency Economic Stabilization Act of 2008 dated March 22, 2013.
99.2    Certification of Chief Financial Officer pursuant to Section 111(b)(4) of the Emergency Economic Stabilization Act of 2008 dated March 22, 2013.
101.INS*    XBRL Instance Document.
101.SCH*    XBRL Taxonomy Schema.
101.CAL*    XBRL Taxonomy Calculation Linkbase.
101.DEF*    XBRL Taxonomy Definition Linkbase.
101.LAB*    XBRL Taxonomy Label Linkbase.
101.PRE*    XBRL Taxonomy Presentation Linkbase.

 

* Filed herewith

 

52


Table of Contents

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

PLUMAS BANCORP

(Registrant)

Date: March 22, 2013

/s/ ANDREW J. RYBACK

Andrew J. Ryback

President and Chief Executive Officer

/s/ RICHARD L. BELSTOCK
Richard L. Belstock
Executive Vice President and Chief Financial Officer

 

53


Table of Contents

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the date indicated.

 

/s/ DANIEL E. WEST

Daniel E. West, Director and Chairman of the Board

   Dated: March 22, 2013

/s/ TERRANCE J. REESON

Terrance J. Reeson, Director and Vice Chairman of the Board

   Dated: March 22, 2013

/s/ ALVIN G. BLICKENSTAFF

Alvin G. Blickenstaff, Director

   Dated: March 22, 2013

/s/ W. E. ELLIOTT

William E. Elliott, Director

   Dated: March 22, 2013

/s/ GERALD W. FLETCHER

Gerald W. Fletcher, Director

   Dated: March 22, 2013

/s/ JOHN FLOURNOY

John Flournoy, Director

   Dated: March 22, 2013

/s/ ARTHUR C. GROHS

Arthur C. Grohs, Director

   Dated: March 22, 2013

/s/ ROBERT J. MCCLINTOCK

Robert J. McClintock, Director

   Dated: March 22, 2013

 

54

EX-23.01 2 d444947dex2301.htm EX-23.01 EX-23.01

EXHIBIT 23.01

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in Registration Statement Nos. 333-96957, 333-98319 and 333-103229 on Form S-8 of Plumas Bancorp of our report dated March 22, 2013 relating to our audit of the consolidated financial statements, appearing in this Annual Report on Form 10-K of Plumas Bancorp for the year ended December 31, 2012.

/s/ Crowe Horwath LLP

Sacramento, California

March 22, 2013

EX-23.02 3 d444947dex2302.htm EX-23.02 EX-23.02

EXHIBIT 23.02

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in Registration Statement Nos. 333-96957, 333-98319 and 333-103229 on Form S-8 of Plumas Bancorp of our report dated March 23, 2011, relating to our audit of the 2010 consolidated financial statements, included in this Annual Report on Form 10-K of Plumas Bancorp for the year ended December 31, 2012.

/s/ Perry-Smith LLP

Sacramento, California

March 22, 2013

EX-31.1 4 d444947dex311.htm EX-31.1 EX-31.1

Exhibit 31.1

CERTIFICATION UNDER SECTION 302 OF

THE SARBANES OXLEY ACT OF 2002

I, Richard L. Belstock, certify that:

 

1. I have reviewed this report on Form 10-K of Plumas Bancorp (“registrant”);

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13(a)-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: March 22, 2013

 

/s/ Richard L. Belstock

Richard L. Belstock,
Chief Financial Officer

A signed original of this written statement required by Section 302 of the Sarbanes-Oxley Act of 2002 has been provided to Plumas Bancorp and will be retained by Plumas Bancorp and furnished to the SEC or its staff upon request.

EX-31.2 5 d444947dex312.htm EX-31.2 EX-31.2

Exhibit 31.2

CERTIFICATION UNDER SECTION 302 OF

THE SARBANES OXLEY ACT OF 2002

I, Andrew J. Ryback, certify that:

 

1. I have reviewed this report on Form 10-K of Plumas Bancorp (“registrant”);

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13(a)-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: March 22, 2013

 

/s/ Andrew J. Ryback

Andrew J. Ryback

President and Chief Executive Officer

A signed original of this written statement required by Section 302 of the Sarbanes-Oxley Act of 2002 has been provided to Plumas Bancorp and will be retained by Plumas Bancorp and furnished to the SEC or its staff upon request.

EX-32.1 6 d444947dex321.htm EX-32.1 EX-32.1

Exhibit 32.1

CERTIFICATION OF CHIEF FINANCIAL OFFICER

PURSUANT TO 18 U.S.C. SECTION 1350

In connection with the accompanying Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, I, Richard L. Belstock, Chief Financial Officer of the Company, hereby certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 that:

 

  1) such Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

  2) the information contained in such Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, fairly presents, in all material respects, the financial condition and results of operations of Plumas Bancorp.

 

Date: March 22, 2013      

/s/ Richard L. Belstock

     

Richard L. Belstock,

Chief Financial Officer

EX-32.2 7 d444947dex322.htm EX-32.2 EX-32.2

Exhibit 32.2

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

PURSUANT TO 18 U.S.C. SECTION 1350

In connection with the accompanying Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, I, Andrew J. Ryback, Chief Executive Officer of the Company, hereby certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 that:

 

  1) such Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

  2) the information contained in such Annual Report on Form 10-K of the Company for the twelve months ended December 31, 2012, fairly presents, in all material respects, the financial condition and results of operations of Plumas Bancorp.

 

Date: March 22, 2013      

/s/ Andrew J. Ryback

     

Andrew J. Ryback,

President and Chief Executive Officer

EX-99.1 8 d444947dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

PLUMAS BANCORP UST #359

Certification of the Chief Executive Officer

Pursuant to Section 111(b) of EESA

Fiscal Year Ended December 31, 2012

I, Andrew J. Ryback, President and Chief Executive Officer of Plumas Bancorp, certify, based on my knowledge, that:

(i) The Corporate Governance Committee of Plumas Bancorp has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period, senior executive officer (“SEO”) compensation plans and employee compensation plans and the risks these plans pose to Plumas Bancorp.

(ii) The Corporate Governance Committee of Plumas Bancorp has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Plumas Bancorp and has identified any features of the employee compensation plans that pose risks to Plumas Bancorp and has limited those features to ensure that Plumas Bancorp is not unnecessarily exposed to risks;

(iii) The Corporate Governance Committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of Plumas Bancorp to enhance the compensation of an employee, and has limited any such features;

(iv) The Corporate Governance Committee of Plumas Bancorp will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;

 

(v) The Corporate Governance Committee of Plumas Bancorp will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in:

(A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Plumas Bancorp;

(B) Employee compensation plans that unnecessarily expose Plumas Bancorp to risks; and

(C) Employee compensation plans that could encourage the manipulation of reported earnings of Plumas Bancorp to enhance the compensation of an employee;


(vi) Plumas Bancorp has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;

(vii) Plumas Bancorp has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;

(viii) Plumas Bancorp has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period;

(ix) Plumas Bancorp and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;

(x) Plumas Bancorp will permit a non-binding shareholder resolution in compliance with any applicable federal securities rules and regulations on the disclosures provided under the federal securities laws related to SEO compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period;

(xi) Plumas Bancorp will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);

(xii) Plumas Bancorp will disclose whether Plumas Bancorp, the board of directors of Plumas Bancorp, or the Corporate Governance Committee of Plumas Bancorp has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;

(xiii) Plumas Bancorp has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;

 

2


(xiv) Plumas Bancorp has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Plumas Bancorp and Treasury, including any amendments;

(xv) Plumas Bancorp has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and

(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example, 18 USC 1001.)

 

/s/ Andrew J. Ryback

Andrew J. Ryback
President and Chief Executive Officer
Plumas Bancorp

Date: March 22, 2013

 

3

EX-99.2 9 d444947dex992.htm EX-99.2 EX-99.2

Exhibit 99.2

PLUMAS BANCORP UST #359

Certification of the Chief Financial Officer

Pursuant to Section 111(b) of EESA

Fiscal Year Ended December 31, 2012

I, Richard L. Belstock, Chief Financial Officer of Plumas Bancorp, certify, based on my knowledge, that:

(i) The Corporate Governance Committee of Plumas Bancorp has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period, senior executive officer (“SEO”) compensation plans and employee compensation plans and the risks these plans pose to Plumas Bancorp.

(ii) The Corporate Governance Committee of Plumas Bancorp has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Plumas Bancorp and has identified any features of the employee compensation plans that pose risks to Plumas Bancorp and has limited those features to ensure that Plumas Bancorp is not unnecessarily exposed to risks;

(iii) The Corporate Governance Committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of Plumas Bancorp to enhance the compensation of an employee, and has limited any such features;

(iv) The Corporate Governance Committee of Plumas Bancorp will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;

 

(v) The Corporate Governance Committee of Plumas Bancorp will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in:

(A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of Plumas Bancorp;

(B) Employee compensation plans that unnecessarily expose Plumas Bancorp to risks; and

(C) Employee compensation plans that could encourage the manipulation of reported earnings of Plumas Bancorp to enhance the compensation of an employee;


(vi) Plumas Bancorp has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or “clawback” provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;

(vii) Plumas Bancorp has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;

(viii) Plumas Bancorp has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period;

(ix) Plumas Bancorp and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;

(x) Plumas Bancorp will permit a non-binding shareholder resolution in compliance with any applicable federal securities rules and regulations on the disclosures provided under the federal securities laws related to SEO compensation paid or accrued during any part of the most recently completed fiscal year that was a TARP period;

(xi) Plumas Bancorp will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);

(xii) Plumas Bancorp will disclose whether Plumas Bancorp, the board of directors of Plumas Bancorp, or the Corporate Governance Committee of Plumas Bancorp has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;

(xiii) Plumas Bancorp has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period;

 

2


(xiv) Plumas Bancorp has substantially complied with all other requirements related to employee compensation that are provided in the agreement between Plumas Bancorp and Treasury, including any amendments;

(xv) Plumas Bancorp has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and

(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example, 18 USC 1001.)

 

/s/ Richard L. Belstock

Richard L. Belstock
Chief Financial Officer
Plumas Bancorp

Date: March 22, 2013

 

3

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us-gaap:PreferredStockMember 2010-01-01 2010-12-31 0001168455 2010-01-01 2010-12-31 0001168455 2012-06-30 0001168455 2013-03-22 0001168455 2012-01-01 2012-12-31 iso4217:USD plbc:Units plbc:Contract plbc:Security xbrli:pure iso4217:USD xbrli:shares xbrli:shares iso4217:USD <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 1 - us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock--> <!-- xbrl,ns --> <!-- xbrl,nx --> <font style="font-family:times new roman" size="2"><b></b></font> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>1. THE BUSINESS OF PLUMAS BANCORP </b></font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">During 2002, Plumas Bancorp (the &#8220;Company&#8221;) was incorporated as a bank holding company for the purpose of acquiring Plumas Bank (the &#8220;Bank&#8221;) in a one bank holding company reorganization. This corporate structure gives the Company and the Bank greater flexibility in terms of operation, expansion and diversification. The Company formed Plumas Statutory Trust I (&#8220;Trust I&#8221;) for the sole purpose of issuing trust preferred securities on September&#160;26, 2002. The Company formed Plumas Statutory Trust II (&#8220;Trust II&#8221;) for the sole purpose of issuing trust preferred securities on September&#160;28, 2005. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">The Bank operates eleven branches in California, including branches in Alturas, Chester, Fall River Mills, Greenville, Kings Beach, Portola, Quincy, Redding, Susanville, Tahoe City, and Truckee. The Bank&#8217;s administrative headquarters is in Quincy, California. In addition, the Bank operates a loan administrative office in Reno, Nevada and a lending office specializing in government-guaranteed lending in Auburn, California. The Bank's primary source of revenue is generated from providing loans to customers who are predominately small and middle market businesses and individuals residing in the surrounding areas. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">On July&#160;21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#8220;Dodd-Frank Act&#8221;), which, in part, permanently raised the current standard maximum deposit insurance amount to $250,000. In addition, amendments to the Dodd-Frank Act extended unlimited FDIC insurance coverage for noninterest-bearing transaction deposit accounts for an additional two years. This unlimited insurance coverage for noninterest-bearing transaction accounts expired on December&#160;31, 2012. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 2 - us-gaap:LegalMattersAndContingenciesTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>2. REGULATORY MATTERS </b></font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">On February&#160;15, 2012, the Bank received notice from the Federal Deposit Insurance Corporation (FDIC) and the California Department of Financial Institutions (&#8220;DFI&#8221;) that the Consent Order with the FDIC and the DFI which was effective on March&#160;16, 2011 had been terminated. While the Bank is no longer subject to an Order, the Bank entered into an informal agreement with the FDIC and DFI which, among other things, requests that the Bank continue to maintain a Tier 1 Leverage Capital Ratio of 9% which is in excess of that required for well capitalized institutions and continue to reduce its level of classified asset balances that were outstanding as of September&#160;30, 2011 to not more than 50% of Tier 1 Capital plus the allowance for loan losses. At December&#160;31, 2012 this ratio was 32% and the Bank&#8217;s Tier 1 Leverage Capital Ratio was 10.4%. The FDIC and DFI terminated the informal agreement effective January&#160;24, 2013. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">On July&#160;28, 2011 the Company entered into an agreement with the Federal Reserve Bank of San Francisco (the &#8220;FRB Agreement&#8221;). Under the terms of the FRB Agreement, Plumas Bancorp has agreed to take certain actions that are designed to maintain its financial soundness so that it may continue to serve as a source of strength to the Bank. Among other things, the FRB Agreement requires prior written approval related to the payment or taking of dividends and distributions, making any distributions of interest, principal or other sums on subordinated debentures or trust preferred securities, incurrence of debt, and the purchase or redemption of stock. </font></p> <p style="font-size:1px;margin-top:12px;margin-bottom:0px">&#160;</p> <p style="margin-top:0px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">In addition, the FRB Agreement requires Plumas Bancorp to submit, within 60 days of the FRB Agreement, a written statement of Plumas Bancorp&#8217;s planned sources and uses of cash for debt service, operating expense and other purposes (&#8220;Cash Flow Statement&#8221;) for the remainder of 2011 and annually thereafter. The Company has continued to submit the Cash Flow Statements within the required time frames. </font></p> <!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --> <!-- Begin Block Tagged Note 3 - us-gaap:SignificantAccountingPoliciesTextBlock--> <p style="margin-top:18px;margin-bottom:0px"><font style="font-family:times new roman" size="2"><b>3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </b></font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"><u>Consolidation and Basis of Presentation</u> </font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">The consolidated financial statements include the accounts of the Company and the consolidated accounts of its wholly-owned subsidiary, Plumas Bank. 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The junior subordinated deferrable interest debentures issued and guaranteed by the Company and held by Trust I and Trust II are reflected as debt on the consolidated balance sheet. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">The accounting and reporting policies of Plumas Bancorp and subsidiary conform with accounting principles generally accepted in the United States of America and prevailing practices within the banking industry. </font></p> <p style="margin-top:18px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"><u>Reclassifications</u> </font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">Certain reclassifications have been made to prior years&#8217; balances to conform to the classifications used in 2012. 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Interest earned on investment securities is reported in interest income, net of applicable adjustments for accretion of discounts and amortization of premiums accounted for by the level yield method with no pre-payment anticipated. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">An investment security is impaired when its carrying value is greater than its fair value. Investment securities that are impaired are evaluated on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether such a decline in their fair value is other than temporary. Management utilizes criteria such as the magnitude and duration of the decline and the intent and ability of the Company to retain its investment in the securities for a period of time sufficient to allow for an anticipated recovery in fair value, in addition to the reasons underlying the decline, to determine whether the loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not necessarily favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Once a decline in value is determined to be other than temporary, and management does not intend to sell the security or it is more likely than not that the Company will not be required to sell the security before recovery, only the portion of the impairment loss representing credit exposure is recognized as a charge to earnings, with the balance recognized as a charge to other comprehensive income. If management intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its forecasted cost, the entire impairment loss is recognized as a charge to earnings. </font></p> <p style="font-size:1px;margin-top:18px;margin-bottom:0px">&#160;</p> <p style="margin-top:0px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"><u>Investment in Federal Home Loan Bank Stock</u> </font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">As a member of the Federal Home Loan Bank (FHLB) System, the Bank is required to maintain an investment in the capital stock of the FHLB. The investment is carried at cost classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. At December&#160;31, 2012 and 2011, FHLB stock totaled $1,950,000 and $2,043,000, respectively. On the consolidated balance sheet, FHLB stock is included in accrued interest receivable and other assets. </font></p> <p style="margin-top:18px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"><u>Loans Held for Sale, Loan Sales and Servicing</u> </font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">Included in the loan portfolio are loans which are 75% to 85% guaranteed by the Small Business Administration (SBA), US Department of Agriculture Rural Business Cooperative Service (RBS) and Farm Services Agency (FSA). The guaranteed portion of these loans may be sold to a third party, with the Bank retaining the unguaranteed portion. The Company can receive a premium in excess of the adjusted carrying value of the loan at the time of sale. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">As of December&#160;31, 2012 and 2011 the Company had $3,367,000 and $3,091,000, respectively in government guaranteed loans held for sale. Loans held for sale are recorded at the lower of cost or fair value and therefore may be reported at fair value on a non-recurring basis. The fair values for loans held for sale are based on either observable transactions of similar instruments or formally committed loan sale prices. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"> Government guaranteed loans with unpaid balances of $58,696,000 and $47,708,000 were being serviced for others at December&#160;31, 2012 and 2011, respectively. 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Servicing assets or liabilities are recorded at fair value and are subsequently amortized in proportion to and over the period of the related net servicing income or expense. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with non-interest income on the statement of income. 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The servicing asset is recognized and amortized over the estimated life of the related loan. Assets (accounted for as IO strips) are recorded at the fair value of the difference between note rates and rates paid to purchasers (the interest spread) and contractual servicing fees, if applicable. IO strips are carried at fair value with gains or losses recorded as a component of shareholders&#8217; equity, similar to available-for-sale investment securities. Significant future prepayments of these loans will result in the recognition of additional amortization of related servicing assets and an adjustment to the carrying value of related IO strips. </font></p> <p style="margin-top:18px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"><u>Loans</u> </font></p> <p style="margin-top:6px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">Loans that management has the intent and ability to hold for foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of purchase premiums or discounts, deferred loan fees and costs, and an allowance for loan losses. Loans, if any, that are transferred from loans held for sale are carried at the lower of principal balance or market value at the date of transfer, adjusted for accretion of discounts. Interest is accrued daily based upon outstanding loan balances. However, when, in the opinion of management, loans are considered to be impaired and the future collectability of interest and principal is in serious doubt, loans are placed on nonaccrual status and the accrual of interest income is suspended. Any interest accrued but unpaid is charged against income. Payments received are applied to reduce principal to the extent necessary to ensure collection. A loan is moved to non-accrual status in accordance with the Company&#8217;s policy, typically after 90 days of non-payment unless well secured and in the process of collection. Subsequent payments on these loans, or payments received on nonaccrual loans for which the ultimate collectability of principal is not in doubt, are applied first to earned but unpaid interest and then to principal. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">Loan origination fees, commitment fees, direct loan origination costs and purchased premiums and discounts on loans are deferred and recognized as an adjustment of yield, to be amortized to interest income over the contractual term of the loan. 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Subsequent increases in cash flows expected to be collected generally should be recognized prospectively through adjustment of the loan's yield over its remaining life. Decreases in cash flows expected to be collected should be recognized as an impairment. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"> The Company may not &#8220;carry over&#8221; or create a valuation allowance in the initial accounting for loans acquired under these circumstances. 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The overall allowance consists of two primary components, specific reserves related to impaired loans and general reserves for inherent losses related to loans that are not impaired but collectively evaluated for impairment. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2"> A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Loans determined to be impaired are individually evaluated for impairment. When a loan is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, it may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. A loan is collateral dependent if the repayment of the loan is expected to be provided solely by the underlying collateral. </font></p> <p style="margin-top:12px;margin-bottom:0px; margin-left:4%"><font style="font-family:times new roman" size="2">A restructuring of a debt constitutes a troubled debt restructuring (TDR) if the Company, for economic or legal reasons related to the debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. Restructured workout loans typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. 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Related Party Transactions (Table)
12 Months Ended
Dec. 31, 2012
Related Party Transactions [Abstract]  
Related Party Transaction
         

Balance, January 1, 2012

  $ 595,000  

Disbursements

    9,000  

Amounts repaid

    (131,000
   

 

 

 

Balance, December 31, 2012

  $ 473,000  
   

 

 

 

Undisbursed commitments to related parties, December 31, 2012

  $ 651,000  
   

 

 

 
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Investment Securities (Details 2) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Investment securities by contractual maturity    
Amortized Cost $ 80,403,000 $ 57,649,000
Estimated Fair Value 80,964,000  
Within one year [Member]
   
Investment securities by contractual maturity    
Amortized Cost 1,000,000  
Estimated Fair Value 1,008,000  
After one year through five years [Member]
   
Investment securities by contractual maturity    
Amortized Cost 37,291,000  
Estimated Fair Value 37,434,000  
Government- sponsored mortgage-backed securities [Member]
   
Investment securities by contractual maturity    
Amortized Cost 42,112,000  
Estimated Fair Value $ 42,522,000  
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Fair Value Measurements (Details 1) (Recurring basis [Member], USD $)
Dec. 31, 2012
Dec. 31, 2011
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value $ 80,964,000 $ 57,917,000
U.S. Government-sponsored agencies [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value 38,442,000 32,777,000
U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value 42,522,000 25,140,000
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government-sponsored agencies [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
Significant Other Observable Inputs (Level 2) [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value 80,964,000 57,917,000
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government-sponsored agencies [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value 38,442,000 32,777,000
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value 42,522,000 25,140,000
Significant Unobservable Inputs (Level 3) [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
Significant Unobservable Inputs (Level 3) [Member] | U.S. Government-sponsored agencies [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
Significant Unobservable Inputs (Level 3) [Member] | U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Assets and liabilities measured at fair value on a recurring basis    
Total Fair Value      
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Securities Sold Under Agreements to Repurchase (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Summary of Securities Sold Under Agreements to Repurchase [Abstract]    
Average daily balance during the year $ 5,982,000 $ 3,124,000
Average interest rate during the year 0.27% 0.42%
Maximum month-end balance during the year $ 8,041,000 $ 8,300,000
Weighted average interest rate at year-end 0.25% 0.41%
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Investment Securities (Detail Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Security
Dec. 31, 2011
Security
Dec. 31, 2010
Security
Schedule of Available-for-sale Securities [Line Items]      
Number of securities in loss position for less than twelve months 8    
Investment Securities Available for Sale (Textual) [Abstract]      
Unrealized gains on available-for-sale investment securities $ 561,000 $ 268,000  
Tax expense from unrealized gains on available-for-sale investment securities 232,000 110,000  
Number of securities sold 25 27 65
Proceeds from sale-of-available- for investment securities 20,773,000 29,404,000 40,902,000
Number of securities sold for gain    25  
Gain on sale-of-securities available for sale 403,000 690,000 1,160,000
Number of securities sold for loss    2  
Loss on sale securities available-for-sale   24,000  
Recognition of a net gain on sale 403,000 666,000 1,160,000
Investment securities with amortized costs 44,305,000 44,878,000  
Number of securities in loss position for more than one year 0 0  
Investment securities pledged to secure deposits and repurchase agreements 44,535,000 45,149,000  
Number of Securities Held 55    
Transfers of available-for-sale investment securities $ 0 $ 0 $ 0
Number of securities held to maturity 0 0  
U.S. Government-sponsored agencies [Member]
     
Schedule of Available-for-sale Securities [Line Items]      
Number of securities in loss position for less than twelve months 2    
U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
     
Schedule of Available-for-sale Securities [Line Items]      
Number of securities in loss position for less than twelve months 6    
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Shareholder's Equity (Details 1) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Stock options      
Options outstanding, Beginning balance 482,780 312,030 403,966
Options cancelled, shares (62,974) (77,250) (91,936)
Options granted, shares    248,000   
Options outstanding, Ending balance 419,806 482,780 312,030
Options exercisable at December 31, 2012 262,913    
Expected to vest after December 31, 2012 131,909    
Options outstanding, Weighted Average Exercise Price, Beginning balance $ 8.74 $ 13.41 $ 13.56
Options cancelled, Weighted Average Exercise Price $ 9.17 $ 9.05 $ 14.05
Options granted, Weighed Average Exercise Price   $ 2.95  
Options outstanding, Weighted Average Exercise Price, Ending balance $ 8.67 $ 8.74 $ 13.41
Options exercisable at December 31, 2012 $ 12.08    
Expected to vest after December 31, 2012 $ 2.95    
Options outstanding at December 31, 2012, Weighted Average Remaining Contractual Term 4 years 2 months 12 days    
Options exercisable at December 31, 2012, Weighted Average Remaining Contractual Term 3 years    
Expected to vest after December 31, 2012, Weighted Average Remaining Contractual Term 6 years 2 months 12 days    
Options outstanding at December 31, 2012, Intrinsic Value $ 65,286    
Options exercisable at December 31, 2012, Intrinsic value 16,647    
Expected to vest after December 31, 2012, Intrinsic value $ 40,892    
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Summary of Significant Accounting Policies (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Summary Of Significant Accounting Policies (Textual) [Abstract]      
Customers contribution to company's revenues Not more than 10 percent    
Sale period for Federal Funds 1 day    
FHLB stock totaled $ 1,950,000 $ 2,043,000  
Loans held for sale are recorded at the lower of cost or fair value 3,367,000 3,091,000  
Government guaranteed loans with unpaid balances 58,696,000 47,708,000  
Loans serviced for federal national mortgage association 1,641,000 1,932,000  
Loan is moved to non-accrual status 90 days    
Valuation allowance loans held for sale. 0 0  
Increase in required allowance related to loan modification 250,000    
Credit risks and to assess the overall collectability of the portfolio 100000    
Allowance for commitments totaled 141,000 141,000  
Partial settlement of loan obligations 5,295,000 8,623,000  
Loans settled, gross 8,517,000 11,668,000  
Valuation allowance 3,222,000 3,045,000  
Proceeds from sales of other real estate owned, total 3,714,000 4,937,000 3,462,000
Loss/Gain on sale of other real estate owned (16,000) (606,000) 43,000
Period over which intangible assets are amortized 10 years    
Tax benefit plan 50.00%    
Unrecognized tax benefits or accrued interest and penalties 0 0  
Compensation expense related to Stock Option Plan, net of related tax (expense)/benefit 93,000 (38,000) 53,000
Compensation expense related to Stock Option Plan, diluted share $ 0.02 $ (0.01) $ 0.01
Options granted, shares    248,000   
Maximum [Member]
     
Percent of SBA loan guaranteed by the government 85.00%    
Useful life of premises P30Y    
Useful lives of furniture, fixtures and equipment 10 years    
Minimum [Member]
     
Percent of SBA loan guaranteed by the government 75.00%    
Useful life of premises P20Y    
Useful lives of furniture, fixtures and equipment 2 years    
Plumas Statutory Trust I [Member]
     
Company's investment 290,000    
Plumas Statutory Trust II [Member]
     
Company's investment $ 157,000    
XML 23 R33.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits (Tables)
12 Months Ended
Dec. 31, 2012
Deposits [Abstract]  
Schedule of Interest-bearing deposits
                 
    December 31,  
    2012     2011  

Interest-bearing demand deposits

  $ 83,384,000     $ 82,025,000  

Money market

    43,751,000       38,840,000  

Savings

    70,205,000       63,969,000  

Time, $100,000 or more

    27,886,000       31,624,000  

Other time

    42,690,000       48,751,000  
   

 

 

   

 

 

 
    $ 267,916,000     $ 265,209,000  
   

 

 

   

 

 

 
Scheduled maturities of time deposits
         

Year Ending December 31,

     

2013

  $ 52,605,000  

2014

    11,941,000  

2015

    3,820,000  

2016

    1,841,000  

2017

    272,000  

thereafter

    97,000  
   

 

 

 
    $ 70,576,000  
   

 

 

 
XML 24 R79.htm IDEA: XBRL DOCUMENT v2.4.0.6
Shareholder's Equity (Details 2) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Leverage Ratios [Abstract]    
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Leverage Ratio 5.00% 5.00%
Risk Based Ratios [Abstract]    
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Leverage Amount $ 23,852,000 $ 22,882,000
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Risk-Based Capital Ratio 6.00% 6.00%
Capital Ratios [Abstract]    
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Risk-Based Capital Amount 21,200,000 19,710,000
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Total Risk-Based Capital Ratio 10.00% 10.00%
Minimum requirement for "Well-Capitalized" institution under the prompt corrective action, Total Risk-Based Capital Amount 35,333,000 32,850,000
Plumas Bancorp and Subsidiary [Member]
   
Leverage Ratios [Abstract]    
Plumas Bancorp and subsidiary Leverage ratio 10.30% 9.80%
Plumas Bancorp and subsidiary Leverage Amount 49,052,000 45,024,000
Minimum regulatory requirement, Leverage ratio 4.00% 4.00%
Minimum regulatory requirement, Leverage Amount 19,040,000 18,313,000
Risk Based Ratios [Abstract]    
Plumas Bancorp and subsidiary, Risk-Based Capital ratio 13.90% 13.70%
Plumas Bancorp and subsidiary, Risk-Based Capital Amount 49,052,000 45,024,000
Minimum regulatory requirement, Risk Based Capital ratio 4.00% 4.00%
Minimum regulatory requirement, Risk-Based Capital Amount 14,143,000 13,149,000
Capital Ratios [Abstract]    
Plumas Bancorp and subsidiary, Total Risk-Based Capital ratio 15.10% 15.00%
Plumas Bancorp and subsidiary, Total Risk-Based Capital Amount 53,489,000 49,169,000
Minimum regulatory requirement, Total Risk-Based Capital ratio 8.00% 8.00%
Minimum regulatory requirement, Total Risk-Based Capital Amount 28,286,000 26,298,000
Plumas Bank [Member]
   
Leverage Ratios [Abstract]    
Plumas Bancorp and subsidiary Leverage ratio 10.40% 9.80%
Plumas Bancorp and subsidiary Leverage Amount 49,662,000 45,073,000
Minimum regulatory requirement, Leverage ratio 4.00% 4.00%
Minimum regulatory requirement, Leverage Amount 19,032,000 18,305,000
Risk Based Ratios [Abstract]    
Plumas Bancorp and subsidiary, Risk-Based Capital ratio 14.10% 13.70%
Plumas Bancorp and subsidiary, Risk-Based Capital Amount 49,662,000 45,073,000
Minimum regulatory requirement, Risk Based Capital ratio 4.00% 4.00%
Minimum regulatory requirement, Risk-Based Capital Amount 14,133,000 13,140,000
Capital Ratios [Abstract]    
Plumas Bancorp and subsidiary, Total Risk-Based Capital ratio 15.30% 15.00%
Plumas Bancorp and subsidiary, Total Risk-Based Capital Amount 54,096,000 49,215,000
Minimum regulatory requirement, Total Risk-Based Capital ratio 8.00% 8.00%
Minimum regulatory requirement, Total Risk-Based Capital Amount $ 28,266,000 $ 26,280,000
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XML 28 R89.htm IDEA: XBRL DOCUMENT v2.4.0.6
Intangible Assets (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Intangible Assets (Textual) [Abstract]      
Impairment of the intangible asset $ 0 $ 0 $ 0
Amortization expense totaled $ 173,000 $ 173,000 $ 173,000
XML 29 R57.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 1) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Changes in the allowance for loan losses      
Beginning balance $ 6,908,000 $ 7,324,000 $ 9,568,000
Provision charged to operations 2,350,000 3,500,000 5,500,000
Charge-offs (3,901,000) (4,247,000) (8,349,000)
Recoveries 329,000 331,000 605,000
Ending balance $ 5,686,000 $ 6,908,000 $ 7,324,000
XML 30 R76.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Contingencies (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Commitments and Contingencies (Textual) [Abstract]      
Operating Leases, Rent Expense $ 153,000 $ 150,000 $ 20,000
Consumer loan commitments as percentage of aggregate commitments 21.00%    
Commercial and agricultural loan commitments as percentage of aggregate commitments 35.00%    
Real estate loan commitments as percentage of aggregate commitments 44.00%    
Maximum loan to value ratio 80.00%    
XML 31 R86.htm IDEA: XBRL DOCUMENT v2.4.0.6
Related Party Transactions (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Related Party Transaction  
Balance, January 1, 2012 $ 595,000
Disbursements 9,000
Amounts repaid (131,000)
Balance, December 31, 2012 473,000
Undisbursed commitments to related parties, December 31, 2012 $ 651,000
XML 32 R81.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Expenses (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Summary of other expenses      
Outside service fees $ 1,503,000 $ 1,270,000 $ 1,212,000
Professional fees 875,000 730,000 587,000
FDIC Insurance 613,000 1,099,000 1,009,000
Telephone and data communications 308,000 331,000 338,000
Business development 268,000 262,000 250,000
Director compensation and retirement 255,000 229,000 233,000
Advertising and promotion 251,000 236,000 252,000
Armored car and courier 224,000 225,000 239,000
Loan collection expenses 219,000 261,000 261,000
OREO expenses 187,000 422,000 573,000
Core deposit intangible amortization 173,000 173,000 173,000
Stationery and supplies 124,000 140,000 145,000
Insurance 120,000 42,000 125,000
Postage 104,000 190,000 207,000
Loss (gain) on sale of other real estate 16,000 606,000 (43,000)
Other operating expenses 239,000 168,000 396,000
Total $ 5,479,000 $ 6,384,000 $ 5,957,000
XML 33 R87.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Benefit Plans (Details) (USD $)
3 Months Ended 9 Months Ended 12 Months Ended
Mar. 31, 2010
Dec. 31, 2010
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Employee Benefit Plans (Textual) [Abstract]          
Employer contribution 3.00%        
Contribution   $ 0 $ 0 $ 0  
Discretionary contribution     0 0 41,000
Expense recognized under salary continuation and retirement agreements     507,000 385,000 342,000
Accrued compensation payable     4,002,000 3,784,000  
Cash surrender values     11,160,000 10,815,000  
Net of expenses totaled     $ 345,000 $ 352,000 $ 351,000
Maximum [Member]
         
Employee Benefit Plans (Additional Textual) [Abstract]          
Period of payment     15 years    
Minimum [Member]
         
Employee Benefit Plans (Additional Textual) [Abstract]          
Period of payment     12 years    
XML 34 R77.htm IDEA: XBRL DOCUMENT v2.4.0.6
Shareholder's Equity (Details) (USD $)
Share data in Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Net Income:      
Net Income $ 1,950,000 $ 941,000 $ 971,000
Preferred stock dividends accrued and discount accretion (684,000) (684,000) (684,000)
Net income available to common shareholders $ 1,266,000 $ 257,000 $ 287,000
Basic earnings per share $ 0.26 $ 0.05 $ 0.06
Basic earnings per share $ 0.26 $ 0.05 $ 0.06
Basic Weighted Average Number of Shares Outstanding: 4,776 4,776 4,776
Diluted Weighted Average Number of Shares Outstanding: 4,782 4,776 4,776
XML 35 R71.htm IDEA: XBRL DOCUMENT v2.4.0.6
Securities Sold Under Agreements to Repurchase (Details Textual) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Securities Sold Under Agreements to Repurchase (Textual) [Abstract]      
Repurchase Agreements $ 7,377,000 $ 8,279,000 $ 0
XML 36 R25.htm IDEA: XBRL DOCUMENT v2.4.0.6
Intangible Assets
12 Months Ended
Dec. 31, 2012
Intangible Assets [Abstract]  
INTANGIBLE ASSETS

18. INTANGIBLE ASSETS

During 2003, the Company acquired certain assets and liabilities of five branches from another bank. Upon acquisition, premises and equipment were valued at fair value and a core deposit premium was recorded as an intangible asset. This core deposit premium is amortized using the straight-line method over ten years. Annually, the intangible asset is analyzed for impairment.

At December 31, 2012, 2011 and 2010, no impairment of the intangible asset has been recognized in the consolidated financial statements. Amortization expense totaled $173,000 for each of the years ended December 31, 2012, 2011 and 2010.

The gross carrying amount of intangible assets and accumulated amortization was:

 

                                 
    December 31, 2012     December 31, 2011  
    Gross Carrying     Accumulated     Gross Carrying     Accumulated  
    Amount     Amortization     Amount     Amortization  

Core Deposit Intangibles

  $ 1,709,000     $  1,580,000     $  1,709,000     $ 1,407,000  

The intangibles will be fully amortized at September 30, 2013.

 

XML 37 R50.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Details 3) (Non-recurring Basis [Member], USD $)
12 Months Ended
Dec. 31, 2012
Commercial [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 3,066
Agricultural [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 646
Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 2,954
Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 4,128
Land And Construction [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 3,835
Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Impaired loans, fair value 690
Other Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Other Real Estate, fair value disclosure 818
Other Land and Construction [Member]
 
Fair value measurements for financial instruments  
Other Real Estate, fair value disclosure 2,407
Other Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Other Real Estate, fair value disclosure 1,953
Other Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Other Real Estate, fair value disclosure 117
Sales Comparison [Member] | Commercial [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Agricultural [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Land And Construction [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Other Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input a. Appraiser adjustments on sales comp data
Sales Comparison [Member] | Other Land and Construction [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Sales Comparison [Member] | Other Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Significant Unobservable Input b. Appraiser adjustments on land properties based on discounted cash flow approach
Sales Comparison [Member] | Other Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Sales Comparison
Management estimates [Member] | Commercial [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Management estimates [Member] | Agricultural [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Management estimates [Member] | Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Management estimates [Member] | Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Management estimates [Member] | Land And Construction [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Management estimates [Member] | Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Management estimates
Significant Unobservable Input b. Management adjustments for depreciation in values depending on property types
Income Approach [Member] | Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Valuation Technique Income Approach
Significant Unobservable Input a. Appraisers required to apply a discounted
Minimum [Member] | Commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Agricultural [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Land And Construction [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Minimum [Member] | Other Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 0.00%
Maximum [Member] | Commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 20.00%
Maximum [Member] | Agricultural [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 15.00%
Maximum [Member] | Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 25.00%
Maximum [Member] | Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 10.00%
Maximum [Member] | Land And Construction [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 15.00%
Maximum [Member] | Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 25.00%
Maximum [Member] | Other Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 25.00%
Weighted average [Member] | Commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 10.00%
Weighted average [Member] | Agricultural [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 8.00%
Weighted average [Member] | Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 10.00%
Weighted average [Member] | Real estate - commercial [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 7.00%
Weighted average [Member] | Land And Construction [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 8.00%
Weighted average [Member] | Equity Lines of Credit [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 10.00%
Weighted average [Member] | Other Real estate - residential [Member]
 
Fair value measurements for financial instruments  
Range (Weighted average) 10.00%
XML 38 R42.htm IDEA: XBRL DOCUMENT v2.4.0.6
The Business of Plumas Bancorp (Details) (USD $)
12 Months Ended
Dec. 31, 2012
The Business of Plumas Bancorp (Textual) [Abstract]  
Raised the current standard maximum deposit insurance amount $ 250,000
XML 39 R75.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Contingencies (Details 1) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Financial instruments represent off-balance-sheet credit risk    
Commitments to extend credit $ 76,030,000 $ 79,164,000
Letters of credit $ 110,000 $ 50,000
XML 40 R37.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Expenses (Tables)
12 Months Ended
Dec. 31, 2012
Other Expenses [Abstract]  
Summary of other expenses
                         
    Year Ended December 31,  
    2012     2011     2010  

Outside service fees

  $ 1,503,000     $ 1,270,000     $ 1,212,000  

Professional fees

    875,000       730,000       587,000  

FDIC Insurance

    613,000       1,099,000       1,009,000  

Telephone and data communications

    308,000       331,000       338,000  

Business development

    268,000       262,000       250,000  

Director compensation and retirement

    255,000       229,000       233,000  

Advertising and promotion

    251,000       236,000       252,000  

Armored car and courier

    224,000       225,000       239,000  

Loan collection expenses

    219,000       261,000       261,000  

OREO expenses

    187,000       422,000       573,000  

Core deposit intangible amortization

    173,000       173,000       173,000  

Stationery and supplies

    124,000       140,000       145,000  

Insurance

    120,000       42,000       125,000  

Postage

    104,000       190,000       207,000  

Loss (gain) on sale of other real estate

    16,000       606,000       (43,000

Other operating expenses

    239,000       168,000       396,000  
   

 

 

   

 

 

   

 

 

 
    $ 5,479,000     $ 6,384,000     $ 5,957,000  
   

 

 

   

 

 

   

 

 

 
XML 41 R52.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Debt securities:    
Amortized Cost $ 80,403,000 $ 57,649,000
Gross Unrealized Gains 588,000 343,000
Gross Unrealized Losses (27,000) (75,000)
Estimated Fair Value 80,964,000 57,917,000
U.S. Government-sponsored agencies [Member]
   
Debt securities:    
Amortized Cost 38,291,000 32,708,000
Gross Unrealized Gains 154,000 92,000
Gross Unrealized Losses (3,000) (23,000)
Estimated Fair Value 38,442,000 32,777,000
U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Debt securities:    
Amortized Cost 42,112,000 24,941,000
Gross Unrealized Gains 434,000 251,000
Gross Unrealized Losses (24,000) (52,000)
Estimated Fair Value $ 42,522,000 $ 25,140,000
XML 42 R67.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Interest-bearing deposits    
Interest-bearing demand deposits $ 83,384,000 $ 82,025,000
Money market 43,751,000 38,840,000
Savings 70,205,000 63,969,000
Time, $100,000 or more 27,886,000 31,624,000
Other time 42,690,000 48,751,000
Interest-bearing deposits Total $ 267,916,000 $ 265,209,000
XML 43 R61.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 5) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Allowance for Loan Losses:      
Beginning balance $ 6,908,000 $ 7,324,000 $ 9,568,000
Charge-offs (3,901,000) (4,247,000) (8,349,000)
Recoveries 329,000 331,000 605,000
Provision 2,350,000 3,500,000 5,500,000
Ending balance 5,686,000 6,908,000 7,324,000
Allowance for Loan Losses Ending balance: individually evaluated for impairment 1,186,000 2,066,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 4,500,000 4,842,000  
Loans Ending balance 315,057,000 293,865,000  
Loans Ending balance: individually evaluated for impairment 18,850,000 24,402,000  
Loans Ending balance: collectively evaluated for impairment 296,207,000 269,463,000  
Commercial [Member]
     
Allowance for Loan Losses:      
Beginning balance 1,025,000 760,000  
Charge-offs (909,000) (446,000)  
Recoveries 66,000 93,000  
Provision 673,000 618,000  
Ending balance 855,000 1,025,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 192,000 310,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 663,000 715,000  
Loans Ending balance 29,552,000 30,235,000  
Loans Ending balance: individually evaluated for impairment 3,478,000 4,946,000  
Loans Ending balance: collectively evaluated for impairment 26,074,000 25,289,000  
Agricultural [Member]
     
Allowance for Loan Losses:      
Beginning balance 330,000 184,000  
Charge-offs (250,000) (93,000)  
Recoveries   106,000  
Provision 79,000 133,000  
Ending balance 159,000 330,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 1,000 250,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 158,000 80,000  
Loans Ending balance 35,124,000 38,868,000  
Loans Ending balance: individually evaluated for impairment 647,000 1,268,000  
Loans Ending balance: collectively evaluated for impairment 34,477,000 37,600,000  
Real Estate - Residential [Member]
     
Allowance for Loan Losses:      
Beginning balance 698,000 632,000  
Charge-offs (358,000) (147,000)  
Recoveries 1,000 1,000  
Provision 553,000 212,000  
Ending balance 894,000 698,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 459,000 355,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 435,000 343,000  
Loans Ending balance 34,666,000 39,019,000  
Loans Ending balance: individually evaluated for impairment 3,598,000 4,257,000  
Loans Ending balance: collectively evaluated for impairment 31,068,000 34,762,000  
Real Estate - Commercial [Member]
     
Allowance for Loan Losses:      
Beginning balance 1,925,000 1,819,000  
Charge-offs (258,000) (336,000)  
Recoveries 7,000 17,000  
Provision (18,000) 425,000  
Ending balance 1,656,000 1,925,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 284,000 148,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 1,372,000 1,777,000  
Loans Ending balance 139,546,000 119,412,000  
Loans Ending balance: individually evaluated for impairment 4,528,000 5,557,000  
Loans Ending balance: collectively evaluated for impairment 135,018,000 113,855,000  
Real Estate - Construction [Member]
     
Allowance for Loan Losses:      
Beginning balance 2,006,000 3,011,000  
Charge-offs (1,524,000) (2,603,000)  
Recoveries 81,000 5,000  
Provision 387,000 1,593,000  
Ending balance 950,000 2,006,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 68,000 901,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 882,000 1,105,000  
Loans Ending balance 15,801,000 17,063,000  
Loans Ending balance: individually evaluated for impairment 5,191,000 6,754,000  
Loans Ending balance: collectively evaluated for impairment 10,610,000 10,309,000  
Equity LOC [Member]
     
Allowance for Loan Losses:      
Beginning balance 635,000 652,000  
Charge-offs (377,000) (311,000)  
Recoveries 46,000 2,000  
Provision 432,000 292,000  
Ending balance 736,000 635,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 180,000 101,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 556,000 534,000  
Loans Ending balance 36,873,000 37,581,000  
Loans Ending balance: individually evaluated for impairment 1,360,000 1,494,000  
Loans Ending balance: collectively evaluated for impairment 35,513,000 36,087,000  
Auto [Member]
     
Allowance for Loan Losses:      
Beginning balance 95,000 112,000  
Charge-offs (72,000) (64,000)  
Recoveries 51,000 82,000  
Provision 215,000 (35,000)  
Ending balance 289,000 95,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 289,000 95,000  
Loans Ending balance 19,283,000 7,241,000  
Loans Ending balance: individually evaluated for impairment 44,000 76,000  
Loans Ending balance: collectively evaluated for impairment 19,239,000 7,165,000  
Other [Member]
     
Allowance for Loan Losses:      
Beginning balance 194,000 154,000  
Charge-offs (153,000) (247,000)  
Recoveries 77,000 25,000  
Provision 29,000 262,000  
Ending balance 147,000 194,000  
Allowance for Loan Losses Ending balance: individually evaluated for impairment 2,000 1,000  
Allowance for Loan Losses Ending balance: collectively evaluated for impairment 145,000 193,000  
Loans Ending balance 4,212,000 4,446,000  
Loans Ending balance: individually evaluated for impairment 4,000 50,000  
Loans Ending balance: collectively evaluated for impairment $ 4,208,000 $ 4,396,000  
XML 44 R47.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Financial assets:      
Investment securities $ 80,964,000 $ 57,917,000  
Financial liabilities:      
Repurchase Agreements 7,377,000 8,279,000 0
Level 1 [Member]
     
Financial assets:      
Cash and cash equivalents 44,675,000 63,076,000  
Investment securities        
Loans, net        
FHLB stock        
Accrued interest receivable        
Financial liabilities:      
Deposits 340,986,000 310,765,000  
Repurchase Agreements        
Junior subordinated deferrable interest debentures        
Accrued interest payable 6,000 7,000  
Level 2 [Member]
     
Financial assets:      
Cash and cash equivalents        
Investment securities 80,964,000 57,917,000  
Loans, net        
FHLB stock        
Accrued interest receivable 248,000 241,000  
Financial liabilities:      
Deposits 70,696,000 80,645,000  
Repurchase Agreements 7,377,000 8,279,000  
Junior subordinated deferrable interest debentures        
Accrued interest payable 90,000 167,000  
Level 3 [Member]
     
Financial assets:      
Cash and cash equivalents        
Investment securities        
Loans, net 313,929,000 290,710,000  
FHLB stock        
Accrued interest receivable 1,429,000 1,397,000  
Financial liabilities:      
Deposits        
Repurchase Agreements        
Junior subordinated deferrable interest debentures 3,191,000 3,079,000  
Accrued interest payable 1,019,000 609,000  
Carrying Value [Member]
     
Financial assets:      
Cash and cash equivalents 44,675,000 63,076,000  
Investment securities 80,964,000 57,917,000  
Loans, net 310,271,000 287,432,000  
FHLB stock 1,950,000 2,043,000  
Accrued interest receivable 1,677,000 1,638,000  
Financial liabilities:      
Deposits 411,562,000 391,140,000  
Repurchase Agreements 7,377,000 8,279,000  
Junior subordinated deferrable interest debentures 10,310,000 10,310,000  
Accrued interest payable 1,115,000 783,000  
Total Fair Value [Member]
     
Financial assets:      
Cash and cash equivalents 44,675,000 63,076,000  
Investment securities 80,964,000 57,917,000  
Loans, net 313,929,000 290,710,000  
FHLB stock        
Accrued interest receivable 1,677,000 1,638,000  
Financial liabilities:      
Deposits 411,682,000 391,410,000  
Repurchase Agreements 7,377,000 8,279,000  
Junior subordinated deferrable interest debentures 3,191,000 3,079,000  
Accrued interest payable $ 11,150,000 $ 783,000  
XML 45 R9.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Matters
12 Months Ended
Dec. 31, 2012
Regulatory Matters/Commitments and Contingencies [Abstract]  
REGULATORY MATTERS

2. REGULATORY MATTERS

On February 15, 2012, the Bank received notice from the Federal Deposit Insurance Corporation (FDIC) and the California Department of Financial Institutions (“DFI”) that the Consent Order with the FDIC and the DFI which was effective on March 16, 2011 had been terminated. While the Bank is no longer subject to an Order, the Bank entered into an informal agreement with the FDIC and DFI which, among other things, requests that the Bank continue to maintain a Tier 1 Leverage Capital Ratio of 9% which is in excess of that required for well capitalized institutions and continue to reduce its level of classified asset balances that were outstanding as of September 30, 2011 to not more than 50% of Tier 1 Capital plus the allowance for loan losses. At December 31, 2012 this ratio was 32% and the Bank’s Tier 1 Leverage Capital Ratio was 10.4%. The FDIC and DFI terminated the informal agreement effective January 24, 2013.

On July 28, 2011 the Company entered into an agreement with the Federal Reserve Bank of San Francisco (the “FRB Agreement”). Under the terms of the FRB Agreement, Plumas Bancorp has agreed to take certain actions that are designed to maintain its financial soundness so that it may continue to serve as a source of strength to the Bank. Among other things, the FRB Agreement requires prior written approval related to the payment or taking of dividends and distributions, making any distributions of interest, principal or other sums on subordinated debentures or trust preferred securities, incurrence of debt, and the purchase or redemption of stock.

 

In addition, the FRB Agreement requires Plumas Bancorp to submit, within 60 days of the FRB Agreement, a written statement of Plumas Bancorp’s planned sources and uses of cash for debt service, operating expense and other purposes (“Cash Flow Statement”) for the remainder of 2011 and annually thereafter. The Company has continued to submit the Cash Flow Statements within the required time frames.

XML 46 R62.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 6) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due $ 2,778 $ 5,126
90 Days and Still Accruing 15 72
Nonaccrual 13,683 16,757
Total Past Due 16,476 21,955
Current 298,581 271,910
Total 315,057 293,865
Commercial [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 329 456
Nonaccrual 3,303 4,819
Total Past Due 3,632 5,275
Current 25,920 24,960
Total 29,552 30,235
Agricultural [Member]
   
Aging analysis of the loan portfolio by the time past due    
Nonaccrual 380 999
Total Past Due 380 999
Current 34,744 37,869
Total 35,124 38,868
Real estate - construction [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 156 1,113
Nonaccrual 3,314 634
Total Past Due 3,470 1,747
Current 12,331 15,316
Total 15,801 17,063
Real estate - commercial [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 1,271 1,939
Nonaccrual 3,378 5,557
Total Past Due 4,649 7,496
Current 134,897 111,916
Total 139,546 119,412
Real estate - residential [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 242 461
Nonaccrual 1,911 3,141
Total Past Due 2,153 3,602
Current 32,513 35,417
Total 34,666 39,019
Equity LOC [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 527 775
Nonaccrual 1,349 1,481
Total Past Due 1,876 2,256
Current 34,997 35,325
Total 36,873 37,581
Auto [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 151 232
90 Days and Still Accruing 11  
Nonaccrual 44 76
Total Past Due 206 308
Current 19,077 6,933
Total 19,283 7,241
Other [Member]
   
Aging analysis of the loan portfolio by the time past due    
30-89 Days Past Due 102 150
90 Days and Still Accruing 4 72
Nonaccrual 4 50
Total Past Due 110 272
Current 4,102 4,174
Total $ 4,212 $ 4,446
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Regulatory Matters (Details)
12 Months Ended
Dec. 31, 2012
Regulatory Matters (Textual) [Abstract]  
Expected Tier 1 Leverage Capital Ratio 9.00%
Outstanding level of classified asset balance 50.00%
Allowance for loan and lease losses Minimum 32.00%
Informal agreement termination effective date Jan. 24, 2013
Bank Leverage Ratio [Member]
 
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Bank's Leverage Ratio 10.40%

XML 49 R29.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Tables)
12 Months Ended
Dec. 31, 2012
Fair Value Measurements [Abstract]  
Fair Value of Financial Instruments
                                         
          Fair Value Measurements at December 31, 2012 Using:  
    Carrying
Value
    Level 1     Level 2     Level 3     Total Fair
Value
 

Financial assets:

                                       

Cash and cash equivalents

  $ 44,675,000     $ 44,675,000                     $ 44,675,000  

Investment securities

    80,964,000             $ 80,964,000               80,964,000  

Loans, net

    310,271,000                     $ 313,929,000       313,929,000  

FHLB stock

    1,950,000                               N/A  

Accrued interest receivable

    1,677,000               248,000       1,429,000       1,677,000  

Financial liabilities:

                                       

Deposits

    411,562,000       340,986,000       70,696,000               411,682,000  

Repurchase Agreements

    7,377,000               7,377,000               7,377,000  

Junior subordinated deferrable interest debentures

    10,310,000                       3,191,000       3,191,000  

Accrued interest payable

    1,115,000       6,000       90,000       1,019,000       1,115,0000  

 

                                         
          Fair Value Measurements at December 31, 2011 Using:  
    Carrying
Value
    Level 1     Level 2     Level 3     Total Fair
Value
 

Financial assets:

                                       

Cash and cash equivalents

  $ 63,076,000     $ 63,076,000                     $ 63,076,000  

Investment securities

    57,917,000             $ 57,917,000               57,917,000  

Loans, net

    287,432,000                     $ 290,710,000       290,710,000  

FHLB stock

    2,043,000                               N/A  

Accrued interest receivable

    1,638,000               241,000       1,397,000       1,638,000  

Financial liabilities:

                                       

Deposits

    391,140,000       310,765,000       80,645,000               391,410,000  

Repurchase Agreements

    8,279,000               8,279,000               8,279,000  

Junior subordinated deferrable interest debentures

    10,310,000                       3,079,000       3,079,000  

Accrued interest payable

    783,000       7,000       167,000       609,000       783,000  
Assets and liabilities measured at fair value on a recurring basis
                                 
          Fair Value Measurements at December 31, 2012 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs (Level 3)
 

Assets:

                               

U.S. Government-sponsored agencies

  $ 38,442,000             $ 38,442,000          

U.S. Government-sponsored agencies collateralized by mortgage obligations

    42,522,000               42,522,000          
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 80,964,000     $ —       $ 80,964,000     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 

 

                                 
          Fair Value Measurements at December 31, 2011 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs (Level 3)
 

Assets:

                               

U.S. Government-sponsored agencies

  $ 32,777,000             $ 32,777,000          

U.S. Government-sponsored agencies collateralized by mortgage obligations

    25,140,000               25,140,000          
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 57,917,000     $ —       $ 57,917,000     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 
Assets and liabilities measured at fair value on a non-recurring basis
                                         
          Fair Value Measurements at December 31, 2012 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable
Inputs

(Level 2)
    Significant
Unobservable
Inputs

(Level 3)
    Total
Gains
(Losses)
 

Assets:

                                       

Impaired loans:

                                       

Commercial

  $ 3,066,000                     $ 3,066,000     $ (346,000

Agricultural

    646,000                       646,000       (1,000

Real estate – residential

    2,954,000                       2,954,000       (308,000

Real estate – commercial

    4,128,000                       4,128,000       (283,000

Real estate – construction and land development

    3,835,000                       3,835,000       (712,000

Equity lines of credit

    690,000                       690,000       (392,000

Auto

    —                         —         —    

Other

    —                         —        
(2,000

   

 

 

                   

 

 

   

 

 

 

Total impaired loans

    15,319,000                       15,319,000       (2,044,000
   

 

 

                   

 

 

   

 

 

 

Other real estate:

                                       

Real estate – residential

    818,000                       818,000       (85,000

Real estate – commercial

    1,953,000                       1,953,000       (287,000

Real estate – construction and land development

    2,407,000                       2,407,000       (535,000

Equity lines of credit

    117,000                       117,000          
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total other real estate

    5,295,000       —         —         5,295,000       (907,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
      $20,614,000     $ —       $ —       $ 20,614,000     $ (2,951,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
                                         
          Fair Value Measurements at December 31, 2011 Using  
    Total Fair Value     Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
    Total
Gains
(Losses)
 

Assets:

                                       

Impaired loans:

                                       

Commercial

  $ 2,942,000                     $ 2,942,000     $ (315,000

Agricultural

    245,000                       245,000       (250,000

Real estate – residential

    2,558,000                       2,558,000       (297,000

Real estate – commercial

    3,701,000                       3,701,000       (52,000

Real estate – construction and land development

    4,070,000                       4,070,000       (402,000

Equity lines of credit

    49,000                       49,000       (100,000

Auto

    —                         —        
—  
 

Other

    —                         —         (1,000
   

 

 

                   

 

 

   

 

 

 

Total impaired loans

    13,565,000                       13,565,000       (1,417,000
   

 

 

                   

 

 

   

 

 

 

Other real estate:

                                       

Real estate – residential

    644,000                       644,000       (85,000

Real estate – commercial

    5,021,000                       5,021,000       (54,000

Real estate – construction and land development

    2,958,000                       2,958,000       (440,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total other real estate

    8,623,000                       8,623,000       (579,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 22,188,000     $ —       $ —       $ 22,188,000     $ (1,996,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
Quantitative information for financial instruments measured at fair value on a non-recurring basis
                     
    Fair     Valuation   Significant   Range

Description

  Value    

Technique

 

Unobservable Input

  (Weighted Average)

Impaired Loans:

                   

Commercial

  $ 3,066     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 20% (10%)
            Management estimates     b. Management adjustments for depreciation in values depending on property types    

Agricultural

  $ 646     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 15% (8%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

RE – Residential

  $ 2,954     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

RE – Commercial

  $ 4,128     Income Approach   a. Appraisers required to apply a discounted cash flow approach as sales data is limited   0% - 10% (7%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Land and Construction

  $ 3,835     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 15% (8%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Equity Lines of Credit

  $ 690     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Other Real Estate:

                   

RE – Residential

  $ 818     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)

Land and Construction

  $ 2,407     Sales Comparison        

RE – Commercial

  $ 1,953     Sales Comparison   b. Appraiser adjustments on land properties    

Equity Lines of Credit

  $ 117     Sales Comparison   based on discounted cash flow approach    
XML 50 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies (Tables)
12 Months Ended
Dec. 31, 2012
Summary of Significant Accounting Policies [Abstract]  
Summary of the change in other real estate
                 
    Year Ended December 31,  
    2012     2011  

Beginning balance

  $ 8,623,000     $ 8,867,000  

Additions

    1,309,000       5,825,000  

Dispositions

    (3,730,000     (5,490,000

Write-downs

    (907,000     (579,000
   

 

 

   

 

 

 

Ending balance

  $ 5,295,000     $ 8,623,000  
   

 

 

   

 

 

 
Fair value of each option estimated on the date of grant
         
    2011  

Expected life of stock options

    5.3 years  

Risk free interest rate

    2.26

Volatility

    46.1

Dividend yields

    3.05 %

Weighted-average fair value of options granted during the year

  $ 0.99  
XML 51 R56.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Summary of outstanding loans        
Loans and leases receivable, gross, total $ 315,057,000 $ 293,865,000    
Deferred loan costs, net 900,000 475,000    
Allowance for loan losses (5,686,000) (6,908,000) (7,324,000) (9,568,000)
Total Outstanding loans 310,271,000 287,432,000    
Commercial [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 29,552,000 30,235,000    
Allowance for loan losses (855,000) (1,025,000) (760,000)  
Agricultural [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 35,124,000 38,868,000    
Allowance for loan losses (159,000) (330,000) (184,000)  
Real estate - residential [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 34,666,000 39,019,000    
Allowance for loan losses (894,000) (698,000) (632,000)  
Real estate - commercial [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 139,546,000 119,412,000    
Allowance for loan losses (1,656,000) (1,925,000) (1,819,000)  
Real Estate - Construction [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 15,801,000 17,063,000    
Allowance for loan losses (950,000) (2,006,000) (3,011,000)  
Equity lines of credit [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 36,873,000 37,581,000    
Allowance for loan losses (736,000) (635,000) (652,000)  
Auto [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 19,283,000 7,241,000    
Allowance for loan losses (289,000) (95,000) (112,000)  
Other [Member]
       
Summary of outstanding loans        
Loans and leases receivable, gross, total 4,212,000 4,446,000    
Allowance for loan losses $ (147,000) $ (194,000) $ (154,000)  
XML 52 R44.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Summary of the change in other real estate    
Beginning balance $ 8,623,000 $ 8,867,000
Additions 1,309,000 5,825,000
Dispositions (3,730,000) (5,490,000)
Write-downs (907,000) (579,000)
Ending balance $ 5,295,000 $ 8,623,000
XML 53 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Tables)
12 Months Ended
Dec. 31, 2012
Investment Securities [Abstract]  
Amortized cost and estimated fair value of investment securities
                                 

Available-for-Sale

  2012  
          Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair  
    Cost     Gains     Losses     Value  

Debt securities:

                               

U.S. Government-sponsored agencies

  $ 38,291,000     $ 154,000     $ (3,000   $ 38,442,000  

U.S. Government-sponsored agencies collateralized by mortgage obligations

    42,112,000       434,000       (24,000     42,522,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 80,403,000     $ 588,000     $ (27,000   $ 80,964,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
                                 

Available-for-Sale

  2011  
          Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair  
    Cost     Gains     Losses     Value  

Debt securities:

                               

U.S. Government-sponsored agencies

  $ 32,708,000     $ 92,000     $ (23,000 ) $      32,777,000  

U.S. Government-sponsored agencies collateralized by mortgage obligations

    24,941,000       251,000       (52,000     25,140,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 57,649,000     $ 343,000     $ (75,000 ) $      57,917,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
Investment securities with unrealized losses
                 

December 31, 2012

  Less than 12 Months  
    Fair     Unrealized  
    Value     Losses  

Debt securities:

               

U.S. Government-sponsored agencies

  $ 2,004,000     $ 3,000  

U.S. Government- sponsored agencies collateralized by mortgage obligations

    7,002,000       24,000  
   

 

 

   

 

 

 
    $ 9,006,000     $ 27,000  
   

 

 

   

 

 

 
   

December 31, 2011

  Less than 12 Months  
    Fair
Value
    Unrealized
Losses
 

Debt securities:

               

U.S. Government-sponsored agencies

  $ 11,044,000     $ 23,000  

U.S. Government- sponsored agencies collateralized by mortgage obligations

    9,144,000       52,000  
   

 

 

   

 

 

 
    $ 20,188,000     $ 75,000  
   

 

 

   

 

 

 
Investment securities by contractual maturity
                 
          Estimated  
    Amortized     Fair  
    Cost     Value  

Within one year

  $ 1,000,000       1,008,000  

After one year through five years

    37,291,000       37,434,000  

Investment securities not due at a single maturity date:

               

Government-sponsored mortgage-backed securities

    42,112,000       42,522,000  
   

 

 

   

 

 

 
    $ 80,403,000     $ 80,964,000  
   

 

 

   

 

 

 
XML 54 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Tables)
12 Months Ended
Dec. 31, 2012
Loans and the Allowance for Loan Losses [Abstract]  
Summary of outstanding loans
                 
    December 31,  
    2012     2011  

Commercial

  $ 29,552,000     $ 30,235,000  

Agricultural

    35,124,000       38,868,000  

Real estate – residential

    34,666,000       39,019,000  

Real estate – commercial

    139,546,000       119,412,000  

Real estate – construction and land development

    15,801,000       17,063,000  

Equity lines of credit

    36,873,000       37,581,000  

Auto

    19,283,000       7,241,000  

Other

    4,212,000       4,446,000  
   

 

 

   

 

 

 
      315,057,000       293,865,000  

Deferred loan costs, net

    900,000       475,000  

Allowance for loan losses

    (5,686,000     (6,908,000
   

 

 

   

 

 

 
    $ 310,271,000     $ 287,432,000  
   

 

 

   

 

 

 
Changes in the allowance for loan losses
                         
    Year Ended December 31,  
    2012     2011     2010  

Balance, beginning of year

  $ 6,908,000     $ 7,324,000     $ 9,568,000  

Provision charged to operations

    2,350,000       3,500,000       5,500,000  

Losses charged to allowance

    (3,901,000     (4,247,000     (8,349,000

Recoveries

    329,000       331,000       605,000  
   

 

 

   

 

 

   

 

 

 

Balance, end of year

  $ 5,686,000     $ 6,908,000     $ 7,324,000  
   

 

 

   

 

 

   

 

 

 
Loans by class modified as troubled debt restructurings that occurred
                         
    Number of
Loans
    Pre-Modification
Outstanding
Recorded Investment
    Post-Modification
Recorded
Investment
 

Troubled Debt Restructurings:

                       

Commercial

    1     $ 24,000     $ 24,000  

Real Estate:

                       

Residential

    2       819,000       800,000  

Construction and land development

    3       289,000       289,000  

Commercial

    3       2,497,000       2,491,000  

Dealer

    2       11,000       11,000  
   

 

 

   

 

 

   

 

 

 

Total

    11     $ 3,640,000     $ 3,615,000  
   

 

 

   

 

 

   

 

 

 
                         
    Number of
Loans
    Pre-Modification
Outstanding
Recorded Investment
    Post-Modification
Recorded

Investment
 

Troubled Debt Restructurings:

                       

Commercial

    2     $ 129,000     $ 129,000  

Agricultural

    4       996,000       996,000  

Real Estate:

                       

Construction and land development

    5       4,977,000       4,977,000  

Equity lines of credit

    1       787,000       787,000  

Dealer

    19       179,000       179,000  
   

 

 

   

 

 

   

 

 

 

Total

    31     $ 7,068,000     $ 7,068,000  
   

 

 

   

 

 

   

 

 

 
Loans by class modified as troubled debt restructurings which there was a payment default
                 
    Number of     Recorded  
    Loans     Investment  

Troubled Debt Restructurings:

               

Real estate – construction

    1     $ 2,978  
   

 

 

   

 

 

 

Total

    1     $ 2,978  
   

 

 

   

 

 

 
                 
    Number of     Recorded  
    Loans     Investment  

Troubled Debt Restructurings:

               

Agricultural

    3     $ 630,000  

Real estate – construction

    2       139,000  

Equity lines of credit

    1       787,000  
   

 

 

   

 

 

 

Total

    6     $ 1,556,000  
   

 

 

   

 

 

 
Loan portfolio allocated by management's internal risk ratings
                                                         

December 31, 2012

  Commercial Credit Exposure  
    Credit Risk Profile by Internally Assigned Grade  
    Commercial     Agricultural     Real Estate-
Residential
    Real Estate-
Commercial
    Real Estate-
Construction
    Equity LOC     Total  

Grade:

                                                       

Pass

  $ 27,260     $ 33,801     $ 31,239     $ 128,919     $ 10,863     $ 34,142     $ 266,224  

Watch

    1,145       466       751       3,237       149       965       6,713  

Substandard

    1,138       857       2,676       7,390       4,789       1,766       18,616  

Doubtful

    9       —         —         —         —         —         9  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 29,552     $ 35,124     $ 34,666     $ 139,546     $ 15,801     $ 36,873     $ 291,562  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
   

December 31, 2011

  Commercial Credit Exposure  
    Credit Risk Profile by Internally Assigned Grade  
    Commercial     Agricultural     Real Estate-
Residential
    Real Estate-
Commercial
    Real Estate-
Construction
    Equity LOC     Total  

Grade:

                                                       

Pass

  $ 26,077     $ 34,882     $ 34,049     $ 101,395     $ 11,383     $ 34,296     $ 242,082  

Watch

    1,562       1,595       629       5,575       50       1,300       10,711  

Substandard

    2,433       2,391       4,327       12,442       5,630       1,974       29,197  

Doubtful

    163       —         14       —         —         11       188  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 30,235     $ 38,868     $ 39,019     $ 119,412     $ 17,063     $ 37,581     $ 282,178  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
       
    Consumer Credit Exposure           Consumer Credit Exposure  
    Credit Risk Profile Based on Payment Activity           Credit Risk Profile Based on Payment Activity  
    December 31, 2012           December 31, 2011  
    Auto     Other     Total           Auto     Other     Total  

Grade:

                                                       

Performing

  $ 19,239     $ 4,193     $ 23,432             $ 7,165     $ 4,324     $ 11,489  

Non-performing

    44       19       63               76       122       198  
   

 

 

   

 

 

   

 

 

           

 

 

   

 

 

   

 

 

 

Total

  $ 19,283     $ 4,212     $ 23,495             $ 7,241     $ 4,446     $ 11,687  
   

 

 

   

 

 

   

 

 

           

 

 

   

 

 

   

 

 

 
Allocation of the allowance for loan losses by impairment methodology
                                                                         
                Real Estate-     Real Estate-     Real Estate-                          
    Commercial     Agricultural     Residential     Commercial     Construction     Equity LOC     Auto     Other     Total  

Year ended 12/31/12:

                                                                       

Allowance for Loan Losses

                                                                       

Beginning balance

  $ 1,025     $ 330     $ 698     $ 1,925     $ 2,006     $ 635     $ 95     $ 194     $ 6,908  

Charge-offs

    (909     (250     (358     (258     (1,524     (377     (72     (153     (3,901

Recoveries

    66       —         1       7       81       46       51       77       329  

Provision

    673       79       553       (18     387       432       215       29       2,350  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

  $ 855     $ 159     $ 894     $ 1,656     $ 950     $ 736     $ 289     $ 147     $ 5,686  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2012:

                                                                       

Allowance for Loan Losses

                                                                       

Ending balance: individually evaluated for impairment

  $ 192     $ 1     $ 459     $ 284     $ 68     $ 180     $ —       $ 2     $ 1,186  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 663     $ 158     $ 435     $ 1,372     $ 882     $ 556     $ 289     $ 145     $ 4,500  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                                                                       

Ending balance

  $ 29,552     $ 35,124     $ 34,666     $ 139,546     $ 15,801     $ 36,873     $ 19,283     $ 4,212     $ 315,057  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

  $ 3,478     $ 647     $ 3,598     $ 4,528     $ 5,191     $ 1,360     $ 44     $ 4     $ 18,850  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 26,074     $ 34,477     $ 31,068     $ 135,018     $ 10,610     $ 35,513     $ 19,239     $ 4,208     $ 296,207  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Year ended 12/31/11:

                                                                       

Allowance for Loan Losses

                                                                       

Beginning balance

  $ 760     $ 184     $ 632     $ 1,819     $ 3,011     $ 652     $ 112     $ 154     $ 7,324  

Charge-offs

    (446     (93     (147     (336     (2,603     (311     (64     (247     (4,247

Recoveries

    93       106       1       17       5       2       82       25       331  

Provision

    618       133       212       425       1,593       292       (35     262       3,500  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

  $ 1,025     $ 330     $ 698     $ 1,925     $ 2,006     $ 635     $ 95     $ 194     $ 6,908  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2011:

                                                                       

Allowance for Loan Losses

                                                                       

Ending balance: individually evaluated for impairment

  $ 310     $ 250     $ 355     $ 148     $ 901     $ 101     $ —       $ 1     $ 2,066  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 715     $ 80     $ 343     $ 1,777     $ 1,105     $ 534     $ 95     $ 193     $ 4,842  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                                                                       

Ending balance

  $ 30,235     $ 38,868     $ 39,019     $ 119,412     $ 17,063     $ 37,581     $ 7,241     $ 4,446     $ 293,865  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

  $ 4,946     $ 1,268     $ 4,257     $ 5,557     $ 6,754     $ 1,494     $ 76     $ 50     $ 24,402  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 25,289     $ 37,600     $ 34,762     $ 113,855     $ 10,309     $ 36,087     $ 7,165     $ 4,396     $ 269,463  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
Aging analysis of the loan portfolio by the time past due
                                                 
    30-89 Days     90 Days and           Total              

December 31, 2012

  Past Due     Still Accruing     Nonaccrual     Past Due     Current     Total  

Commercial:

                                               

Commercial

  $ 329     $ —       $ 3,303     $ 3,632     $ 25,920     $ 29,552  

Agricultural

    —         —         380       380       34,744       35,124  

Real estate – construction

    156       —         3,314       3,470       12,331       15,801  

Real estate

    1,271       —         3,378       4,649       134,897       139,546  

Residential:

                                               

Real estate

    242       —         1,911       2,153       32,513       34,666  

Equity LOC

    527       —         1,349       1,876       34,997       36,873  

Consumer:

                                               

Auto

    151       11       44       206       19,077       19,283  

Other

    102       4       4       110       4,102       4,212  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 2,778     $ 15     $ 13,683     $ 16,476     $ 298,581     $ 315,057  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
             
    30-89 Days     90 Days and           Total              

December 31, 2011

  Past Due     Still Accruing     Nonaccrual     Past Due     Current     Total  

Commercial:

                                               

Commercial

  $ 456     $ —       $ 4,819     $ 5,275     $ 24,960     $ 30,235  

Agricultural

    —         —         999       999       37,869       38,868  

Real estate – construction

    1,113       —         634       1,747       15,316       17,063  

Real estate

    1,939       —         5,557       7,496       111,916       119,412  

Residential:

                                               

Real estate

    461       —         3,141       3,602       35,417       39,019  

Equity LOC

    775       —         1,481       2,256       35,325       37,581  

Consumer:

                                               

Auto

    232       —         76       308       6,933       7,241  

Other

    150       72       50       272       4,174       4,446  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 5,126     $ 72     $ 16,757     $ 21,955     $ 271,910     $ 293,865  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
Information related to impaired loans at the dates indicated
                                         
          Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  

As of December 31, 2012:

  Investment     Balance     Allowance     Investment     Recognized  

With no related allowance recorded:

                                       

Commercial

  $ 1,022     $ 1,398             $ 1,597     $ 16  

Agricultural

    245       725               573       39  

Real estate – construction

    1,429       1,503               1,106       98  

Real estate – commercial

    941       1,013               1,997       96  

Real estate – residential

    343       354               1,336       28  

Equity Lines of Credit

    490       490               613       22  

Auto

    44       44               60       5  

Other

    2       2               45       6  

With an allowance recorded:

                                       

Commercial

  $ 2,456     $ 2,849     $ 192     $ 2,765     $ 20  

Agricultural

    402       402       1       403       20  

Real estate – construction

    3,762       5,187       68       2,056       35  

Real estate – commercial

    3,587       3,588       284       3,473       102  

Real estate – residential

    3,255       3,255       459       2,818       105  

Equity Lines of Credit

    870       1,082       180       974       5  

Auto

    —         —         —         —         —    

Other

    2       2       2       —         —    

Total:

                                       

Commercial

  $ 3,478     $ 4,247     $ 192     $ 4,362     $ 36  

Agricultural

    647       1,127       1       976       59  

Real estate – construction

    5,191       6,690       68       3,162       133  

Real estate – commercial

    4,528       4,601       284       5,470       198  

Real estate – residential

    3,598       3,609       459       4,154       133  

Equity Lines of Credit

    1,360       1,572       180       1,587       27  

Auto

    44       44       —         60       5  

Other

    4       4       2       45       6  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 18,850     $ 21,894     $ 1,186     $ 19,816     $ 597  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
           
          Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  

As of December 31, 2011:

  Investment     Balance     Allowance     Investment     Recognized  

With no related allowance recorded:

                                       

Commercial

  $ 2,506     $ 2,882             $ 2,458     $ 56  

Agricultural

    923       1,153               931       62  

Real estate – construction

    1,955       2,210               6,911       117  

Real estate – commercial

    1,707       1,707               4,751       70  

Real estate – residential

    1,711       1,739               2,069       106  

Equity Lines of Credit

    1,345       1,345               1,285       22  

Auto

    76       76               102       10  

Other

    49       49               91       2  

With an allowance recorded:

                                       

Commercial

  $ 2,440     $ 2,440     $ 310     $ 1,349     $ 25  

Agricultural

    345       345       250       345       —    

Real estate – construction

    4,799       4,850       901       2,521       186  

Real estate – commercial

    3,850       3,850       148       1,664       —    

Real estate – residential

    2,546       2,546       355       1,005       9  

Equity Lines of Credit

    149       149       101       53       1  

Auto

    —         —         —         —         —    

Other

    1       1       1       1       —    

Total:

                                       

Commercial

  $ 4,946     $ 5,322     $ 310     $ 3,807     $ 81  

Agricultural

    1,268       1,498       250       1,276       62  

Real estate – construction

    6,754       7,060       901       9,432       303  

Real estate – commercial

    5,557       5,557       148       6,415       70  

Real estate – residential

    4,257       4,285       355       3,074       115  

Equity Lines of Credit

    1,494       1,494       101       1,338       23  

Auto

    76       76       —         102       10  

Other

    50       50       1       92       2  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 24,402     $ 25,342     $ 2,066     $ 25,536     $ 666  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
XML 55 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
The Business of Plumas Bancorp
12 Months Ended
Dec. 31, 2012
The Business of Plumas Bancorp [Abstract]  
THE BUSINESS OF PLUMAS BANCORP

1. THE BUSINESS OF PLUMAS BANCORP

During 2002, Plumas Bancorp (the “Company”) was incorporated as a bank holding company for the purpose of acquiring Plumas Bank (the “Bank”) in a one bank holding company reorganization. This corporate structure gives the Company and the Bank greater flexibility in terms of operation, expansion and diversification. The Company formed Plumas Statutory Trust I (“Trust I”) for the sole purpose of issuing trust preferred securities on September 26, 2002. The Company formed Plumas Statutory Trust II (“Trust II”) for the sole purpose of issuing trust preferred securities on September 28, 2005.

The Bank operates eleven branches in California, including branches in Alturas, Chester, Fall River Mills, Greenville, Kings Beach, Portola, Quincy, Redding, Susanville, Tahoe City, and Truckee. The Bank’s administrative headquarters is in Quincy, California. In addition, the Bank operates a loan administrative office in Reno, Nevada and a lending office specializing in government-guaranteed lending in Auburn, California. The Bank's primary source of revenue is generated from providing loans to customers who are predominately small and middle market businesses and individuals residing in the surrounding areas.

On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), which, in part, permanently raised the current standard maximum deposit insurance amount to $250,000. In addition, amendments to the Dodd-Frank Act extended unlimited FDIC insurance coverage for noninterest-bearing transaction deposit accounts for an additional two years. This unlimited insurance coverage for noninterest-bearing transaction accounts expired on December 31, 2012.

XML 56 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises and Equipment (Tables)
12 Months Ended
Dec. 31, 2012
Premises and Equipment [Abstract]  
Premises and equipment consisted
                 
    December 31,  
    2012     2011  

Land

  $ 2,628,000     $ 2,628,000  

Premises

    15,417,000       15,412,000  

Furniture, equipment and leasehold improvements

    10,179,000       9,874,000  
   

 

 

   

 

 

 
      28,224,000       27,914,000  

Less accumulated depreciation and amortization

    (14,953,000     (14,457,000
   

 

 

   

 

 

 
    $ 13,271,000     $ 13,457,000  
   

 

 

   

 

 

 
XML 57 R83.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes (Details 1) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Deferred tax assets    
Allowance for loan losses $ 327,000 $ 1,183,000
Net operating loss carryovers 2,636,000 2,867,000
Deferred compensation 1,739,000 1,661,000
Core deposit premium 234,000 245,000
OREO valuation allowance 1,326,000 1,253,000
Other 621,000 607,000
Total deferred tax assets 6,883,000 7,816,000
Deferred tax liabilities    
Prepaid costs (103,000) (167,000)
Deferred loan costs (960,000) (779,000)
Unrealized gain on available-for-sale investment securities (232,000) (110,000)
Other (154,000) (162,000)
Total deferred tax liabilities (1,449,000) (1,218,000)
Net deferred tax assets $ 5,434,000 $ 6,598,000
XML 58 R40.htm IDEA: XBRL DOCUMENT v2.4.0.6
Intangible Assets (Tables)
12 Months Ended
Dec. 31, 2012
Intangible Assets [Abstract]  
Gross carrying amount of intangible assets and accumulated amortization
                                 
    December 31, 2012     December 31, 2011  
    Gross Carrying     Accumulated     Gross Carrying     Accumulated  
    Amount     Amortization     Amount     Amortization  

Core Deposit Intangibles

  $ 1,709,000     $  1,580,000     $  1,709,000     $ 1,407,000  
XML 59 R53.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities (Details 1) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Debt securities:    
Fair Value $ 9,006,000 $ 20,188,000
Unrealized Losses 27,000 75,000
U.S. Government-sponsored agencies [Member]
   
Debt securities:    
Fair Value 2,004,000 11,044,000
Unrealized Losses 3,000 23,000
U.S. Government-sponsored agencies collateralized by mortgage obligations [Member]
   
Debt securities:    
Fair Value 7,002,000 9,144,000
Unrealized Losses $ 24,000 $ 52,000
XML 60 R72.htm IDEA: XBRL DOCUMENT v2.4.0.6
Borrowing Arrangements (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Borrowing Arrangements (Textual) [Abstract]    
Borrowings from FHLB $ 98,000,000  
Residential mortgage loans 310,271,000 287,432,000
Number of FHLB stock held by the company 1,950,000 2,043,000
Total amount which company can borrow 41,000,000  
Purchase of additional from FHLB 2,661,000  
Outstanding borrowings under agreement $ 0 $ 0
XML 61 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (USD $)
Dec. 31, 2012
Dec. 31, 2011
ASSETS    
Cash and cash equivalents $ 44,675,000 $ 63,076,000
Investment securities 80,964,000 57,917,000
Loans, less allowance for loan losses of $5,686,000 in 2012 and $6,908,000 in 2011 310,271,000 287,432,000
Premises and equipment, net 13,271,000 13,457,000
Bank owned life insurance 11,160,000 10,815,000
Other real estate and vehicles acquired through foreclosure 5,336,000 8,680,000
Accrued interest receivable and other assets 12,125,000 13,972,000
Total assets 477,802,000 455,349,000
Deposits:    
Non-interest bearing 143,646,000 125,931,000
Interest bearing 267,916,000 265,209,000
Total deposits 411,562,000 391,140,000
Repurchase agreements 7,377,000 8,279,000
Accrued interest payable and other liabilities 6,703,000 5,986,000
Junior subordinated deferrable interest debentures 10,310,000 10,310,000
Total liabilities 435,952,000 415,715,000
Commitments and contingencies (Note 12)      
Shareholders' equity:    
Serial preferred stock - no par value; 10,000,000 shares authorized; 11,949 issued and outstanding at December 31, 2012 and 2011; aggregate liquidation value of $13,667,000 at December 31, 2012 11,855,000 11,769,000
Common stock - no par value; 22,500,000 shares authorized; issued and outstanding - 4,776,339 shares at December 31, 2012 and 2011 6,093,000 5,998,000
Retained earnings 23,573,000 21,709,000
Accumulated other comprehensive income 329,000 158,000
Total shareholders' equity 41,850,000 39,634,000
Total liabilities and shareholders' equity $ 477,802,000 $ 455,349,000
XML 62 R45.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies (Details 1) (USD $)
12 Months Ended
Dec. 31, 2011
Fair value of each option estimated on the date of grant  
Expected life of stock options 5 years 3 months 18 days
Risk free interest rate 2.26%
Volatility 46.10%
Dividend yields 3.05%
Weighted-average fair value of options granted during the year $ 0.99
XML 63 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Shareholders' Equity (USD $)
Total
Preferred Stock
Common Stock
Retained Earnings
Accumulated Other Comprehensive (Loss) Income (Net of Taxes)
Balance at Dec. 31, 2009 $ 38,231,000 $ 11,595,000 $ 5,970,000 $ 20,044,000 $ 622,000
Balance, shares at Dec. 31, 2009   11,949 4,776,339    
Net Income 971,000     971,000  
Other comprehensive income (loss) (674,000)       (674,000)
Preferred stock dividends & accretion (597,000) 87,000   (684,000)  
Stock-based compensation expense 57,000   57,000    
Balance at Dec. 31, 2010 37,988,000 11,682,000 6,027,000 20,331,000 (52,000)
Balance, shares at Dec. 31, 2010   11,949 4,776,339    
Net Income 941,000     941,000  
Other comprehensive income (loss) 210,000       210,000
Reverse accrued dividends on preferred stock 524,000     524,000  
Preferred stock accretion   87,000   (87,000)  
Stock-based compensation expense (29,000)   (29,000)    
Balance at Dec. 31, 2011 39,634,000 11,769,000 5,998,000 21,709,000 158,000
Balance, shares at Dec. 31, 2011   11,949 4,776,339    
Net Income 1,950,000     1,950,000  
Other comprehensive income (loss) 171,000       171,000
Preferred stock accretion   86,000   (86,000)  
Stock-based compensation expense 95,000   95,000    
Balance at Dec. 31, 2012 $ 41,850,000 $ 11,855,000 $ 6,093,000 $ 23,573,000 $ 329,000
Balance, shares at Dec. 31, 2012   11,949 4,776,339    
XML 64 R59.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 3) (USD $)
12 Months Ended
Dec. 31, 2012
Contract
Dec. 31, 2011
Contract
Troubled Debt Restructurings:    
Recorded Investment $ 2,978 $ 1,556,000
Number of Loans 1 6
Agricultural [Member]
   
Troubled Debt Restructurings:    
Recorded Investment   630,000
Number of Loans   3
Real estate - construction [Member]
   
Troubled Debt Restructurings:    
Recorded Investment 2,978 139,000
Number of Loans 1 2
Equity lines of credit [Member]
   
Troubled Debt Restructurings:    
Recorded Investment   $ 787,000
Number of Loans   1
XML 65 R35.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Contingencies (Tables)
12 Months Ended
Dec. 31, 2012
Regulatory Matters/Commitments and Contingencies [Abstract]  
Future minimum lease payments
         
Year Ending      

December 31,

     

2013

  $ 91,000  

2014

    60,000  

2015

    31,000  
   

 

 

 
    $ 182,000  
   

 

 

 
Financial instruments represent off-balance-sheet credit risk
                 
    December 31,  
    2012     2011  

Commitments to extend credit

  $ 76,030,000     $ 79,164,000  

Letters of credit

  $ 110,000     $ 50,000  
XML 66 R65.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises and Equipment (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Components of premises and equipment    
Property, Plant and Equipment, Gross $ 28,224,000 $ 27,914,000
Less accumulated depreciation and amortization (14,953,000) (14,457,000)
Premises and equipment, net 13,271,000 13,457,000
Land [Member]
   
Components of premises and equipment    
Property, Plant and Equipment, Gross 2,628,000 2,628,000
Premises [Member]
   
Components of premises and equipment    
Property, Plant and Equipment, Gross 15,417,000 15,412,000
Furniture Equipment And Leasehold Improvements [Member]
   
Components of premises and equipment    
Property, Plant and Equipment, Gross $ 10,179,000 $ 9,874,000
XML 67 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes
12 Months Ended
Dec. 31, 2012
Income Taxes [Abstract]  
INCOME TAXES

15. INCOME TAXES

The provision for income taxes for the years ended December 31, 2012, 2011 and 2010 consisted of the following:

 

                         
    Federal     State     Total  

2012

                       

Current

  $ 25,000     $ 3,000     $ 28,000  

Deferred

    812,000       230,000       1,042,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 837,000     $ 233,000     $ 1,070,000  
   

 

 

   

 

 

   

 

 

 

 

                         
    Federal     State     Total  

2011

                       

Current

  $ 34,000     $ 2,000     $ 36,000  

Deferred

    228,000       31,000       259,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 262,000     $ 33,000     $ 295,000  
   

 

 

   

 

 

   

 

 

 

 

 

                         
    Federal     State     Total  

2010

                       

Current

          $ 4,000     $ 4,000  

Deferred

  $ 277,000       108,000       385,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 277,000     $ 112,000     $ 389,000  
   

 

 

   

 

 

   

 

 

 

Deferred tax assets (liabilities) consisted of the following:

 

                 
    December 31,  
    2012     2011  

Deferred tax assets:

               

Allowance for loan losses

  $ 327,000     $ 1,183,000  

Net operating loss carryovers

    2,636,000       2,867,000  

Deferred compensation

    1,739,000       1,661,000  

Core deposit premium

    234,000       245,000  

OREO valuation allowance

    1,326,000       1,253,000  

Other

    621,000       607,000  
   

 

 

   

 

 

 

Total deferred tax assets

    6,883,000       7,816,000  
   

 

 

   

 

 

 

Deferred tax liabilities:

               

Prepaid costs

    (103,000     (167,000

Deferred loan costs

    (960,000     (779,000

Unrealized gain on available-for-sale investment securities

    (232,000     (110,000

Other

    (154,000     (162,000
   

 

 

   

 

 

 

Total deferred tax liabilities

    (1,449,000     (1,218,000
   

 

 

   

 

 

 

Net deferred tax assets

  $ 5,434,000     $ 6,598,000  
   

 

 

   

 

 

 

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The determination of the amount of deferred income tax assets which are more likely than not to be realized is primarily dependent on projections of future earnings, which are subject to uncertainty and estimates that may change given economic conditions and other factors. The realization of deferred income tax assets is assessed and a valuation allowance is recorded if it is "more likely than not" that all or a portion of the deferred tax asset will not be realized. "More likely than not" is defined as greater than a 50% chance. All available evidence, both positive and negative is considered to determine whether, based on the weight of that evidence, a valuation allowance is needed.

 

As part of its analysis, the Company considered the following positive evidence:

 

   

The Company has a long history of earnings and profitability.

 

   

The Company has been profitable for each of the years in the three year period ended December 31, 2012. Additionally, the Company is projecting future taxable and book income will be generated by operations.

 

   

The volume of potential problem loans in the Company’s loan portfolio has significantly decreased.

 

   

The Company does not have a history of net operating losses carry forwards or tax credits expiring unused.

At December 31, 2012 total deferred tax assets were approximately $6,883,000 and total deferred tax liabilities were approximately $1,449,000 for a net deferred tax asset of $5,434,000. The Company’s deferred tax assets primarily relate to net operating loss carry-forwards and timing differences in the tax deductibility of the provision for loan losses, impairment charges on other real estate owned and deferred compensation. Based upon our analysis of available evidence, management of the Company determined that it is "more likely than not" that all of our deferred income tax assets as of December 31, 2012 and 2011 will be fully realized and therefore no valuation allowance was recorded. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets.

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated statement of income. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the year ended December 31, 2012.

 

The provision for income taxes differs from amounts computed by applying the statutory Federal income tax rate to operating income before income taxes. The significant items comprising these differences consisted of the following:

 

                         
    2012     2011     2010  

Federal income tax, at statutory rate

    34.0     34.0     34.0

State franchise tax, net of Federal tax effect

    5.7     4.4     5.5

Interest on obligations of states and political subdivisions

    (0.3 )%      (2.7 )%      (4.4 )% 

Net increase in cash surrender value of bank owned life insurance

    (3.9 )%      (9.7 )%      (8.8 )% 

Other

    (0.1 )%      (2.1 )%      2.3
   

 

 

   

 

 

   

 

 

 

Effective tax rate

    35.4     23.9     28.6
   

 

 

   

 

 

   

 

 

 

At year-end 2012, the Company had federal operating loss carry-forwards of approximately $4,818,000 which expire at various dates from 2029 to 2031. In addition, at year end 2012, the Company had state operating loss carry-forwards of approximately $13,946,000 which expire at various dates from 2029 to 2031. Deferred tax assets are recognized for net operating losses because the benefit is more likely than not to be realized.

The Company and its subsidiary file income tax returns in the U.S. federal and California jurisdictions. The Company conducts all of its business activities in the states of California and Nevada. There are currently no pending U.S. federal, state, and local income tax or non-U.S. income tax examinations by tax authorities.

With few exceptions, the Company is no longer subject to tax examinations by U.S. Federal taxing authorities for years ended before December 31, 2009, and by state and local taxing authorities for years ended before December 31, 2008.

The unrecognized tax benefits and changes therein and the interest and penalties accrued by the Company as of or during the years ended December 31, 2012 and 2011 were not significant. The Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months.

XML 68 R36.htm IDEA: XBRL DOCUMENT v2.4.0.6
Shareholder's Equity (Tables)
12 Months Ended
Dec. 31, 2012
Shareholders' Equity [Abstract]  
Earnings per share
                         
    For the Year Ended December 31,  

(In thousands, except per share data)

  2012     2011     2010  

Net Income:

                       

Net income

  $ 1,950     $ 941     $ 971  

Dividends on preferred shares

    (684     (684     (684
   

 

 

   

 

 

   

 

 

 

Net income available to common shareholders

  $ 1,266     $ 257     $ 287  
   

 

 

   

 

 

   

 

 

 

Earnings Per Share:

                       

Basic earnings per share

  $ 0.26     $ 0.05     $ 0.06  

Diluted earnings per share

  $ 0.26     $ 0.05     $ 0.06  

Weighted Average Number of Shares Outstanding:

                       

Basic shares

    4,776       4,776       4,776  

Diluted shares

    4,782       4,776       4,776  
Stock option activity
                                 
    Shares     Weighted
Average
Exercise
Price
    Weighted
Average
Remaining
Contractual
Term
    Intrinsic
Value
 

Options outstanding at January 1, 2010

    403,966     $ 13.56                  

Options cancelled

    (91,936     14.05                  
   

 

 

                         

Options outstanding at December 31, 2010

    312,030     $ 13.41                  

Options granted

    248,000       2.95                  

Options cancelled

    (77,250     9.05                  
   

 

 

                         

Options outstanding at December 31, 2011

    482,780     $ 8.74                  

Options cancelled

    (62,974     9.17                  
   

 

 

                         

Options outstanding at December 31, 2012

    419,806     $ 8.67       4.2     $ 65,286  
   

 

 

                         

Options exercisable at December 31, 2012

    262,913     $ 12.08       3.0     $ 16,647  

Expected to vest after December 31, 2012

    131,909     $ 2.95       6.2     $ 40,892  
Regulatory capital
                                 
    December 31,  
    2012     2011  
    Amount     Ratio     Amount     Ratio  

Leverage Ratio

                               

Plumas Bancorp and Subsidiary

  $ 49,052,000       10.3   $ 45,024,000       9.8

Minimum regulatory requirement

  $ 19,040,000       4.0   $ 18,313,000       4.0

Plumas Bank

  $ 49,662,000       10.4   $ 45,073,000       9.8

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 23,852,000       5.0   $ 22,882,000       5.0

Minimum regulatory requirement

  $ 19,032,000       4.0   $ 18,305,000       4.0

Tier 1 Risk-Based Capital Ratio

                               

Plumas Bancorp and Subsidiary

  $ 49,052,000       13.9   $ 45,024,000       13.7

Minimum regulatory requirement

  $ 14,143,000       4.0   $ 13,149,000       4.0

Plumas Bank

  $ 49,662,000       14.1   $ 45,073,000       13.7

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 21,200,000       6.0   $ 19,710,000       6.0

Minimum regulatory requirement

  $ 14,133,000       4.0   $ 13,140,000       4.0

Total Risk-Based Capital Ratio

                               

Plumas Bancorp and Subsidiary

  $ 53,489,000       15.1   $ 49,169,000       15.0

Minimum regulatory requirement

  $ 28,286,000       8.0   $ 26,298,000       8.0

Plumas Bank

  $ 54,096,000       15.3   $ 49,215,000       15.0

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 35,333,000       10.0   $ 32,850,000       10.0

Minimum regulatory requirement

  $ 28,266,000       8.0   $ 26,280,000       8.0
XML 69 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Benefit Plans
12 Months Ended
Dec. 31, 2012
Employee Benefit Plans [Abstract]  
EMPLOYEE BENEFIT PLANS

17. EMPLOYEE BENEFIT PLANS

Profit Sharing Plan

The Plumas Bank Profit Sharing Plan commenced April 1, 1988 and is available to employees meeting certain service requirements. Under the Plan, employees are able to defer a selected percentage of their annual compensation. Included under the Plan's investment options is the option to invest in Company stock. The Company's contribution consists of the following:

 

  For the three months ended March 31, 2010 a contribution which matches the participant's contribution, up to a maximum of 3% of the employee's compensation. No contribution was made for the years ended December 31, 2012 and 2011 or the nine months ended December 31, 2010.

 

  An additional discretionary contribution. No discretionary contribution was made for the years ended December 31, 2012, 2011 and 2010.

During the years ended December 31, 2012, 2011 and 2010, the Company's contribution totaled $0, $0 and $41,000, respectively.

Salary Continuation and Retirement Agreements

Salary continuation and retirement agreements are in place for two key executives and seven members of the Board of Directors as well as four former executives and four former directors. Under these agreements, the directors and executives will receive monthly payments for twelve to fifteen years, respectively, after retirement. The estimated present value of these future benefits is accrued over the period from the effective dates of the agreements until the participants' expected retirement dates. The expense recognized under these plans for the years ended December 31, 2012, 2011 and 2010 totaled $507,000, $385,000 and $342,000, respectively. Accrued compensation payable under these plans totaled $4,002,000 and $3,784,000 at December 31, 2012 and 2011, respectively.

In connection with these agreements, the Bank purchased single premium life insurance policies with cash surrender values totaling $11,160,000 and $10,815,000 at December 31, 2012 and 2011, respectively. Income earned on these policies, net of expenses, totaled $345,000, $352,000 and $351,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

 

XML 70 R68.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits (Details 1) (USD $)
Dec. 31, 2012
scheduled maturities of time deposits  
2013 $ 52,605,000
2014 11,941,000
2015 3,820,000
2016 1,841,000
2017 272,000
thereafter 97,000
Total $ 70,576,000
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XML 72 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Cash flows from operating activities:      
Net Income $ 1,950,000 $ 941,000 $ 971,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 2,350,000 3,500,000 5,500,000
Change in deferred loan origination costs/fees, net (629,000) (441,000) (79,000)
Stock-based compensation expense 95,000 (29,000) 57,000
Depreciation and amortization 1,354,000 1,409,000 1,693,000
Amortization of investment security premiums 525,000 410,000 514,000
Accretion of investment security discounts (5,000) (32,000) (55,000)
Gain on sale of investments (403,000) (666,000) (1,160,000)
Gain on sale of loans held for sale (1,324,000) (1,939,000) (1,055,000)
Loans originated for sale (21,154,000) (18,550,000) (21,286,000)
Proceeds from loan sales 20,084,000 23,368,000 14,873,000
Provision for losses on other real estate 907,000 579,000 356,000
Proceeds from secured borrowing     4,284,000
Net loss (gain) on sale of other real estate and vehicles owned 9,000 611,000 (58,000)
Earnings on bank owned life insurance policies (345,000) (352,000) (351,000)
Provision for deferred income taxes 1,042,000 259,000 385,000
Decrease in accrued interest receivable and other assets 632,000 1,575,000 5,325,000
(Decrease) increase in accrued interest payable and other liabilities 717,000 (557,000) 201,000
Net cash provided by operating activities 5,805,000 10,086,000 10,115,000
Cash flows from investing activities:      
Proceeds from matured and called available-for-sale investment securities 23,179,000 29,182,000 31,895,000
Proceeds from sale of available-for-sale securities 20,773,000 29,404,000 40,902,000
Purchases of available-for-sale investment securities (75,214,000) (59,247,000) (57,238,000)
Proceeds from principal repayments from available-for-sale government-guaranteed mortgage-backed securities 8,390,000 6,406,000 8,927,000
Net (increase) decrease in loans (23,734,000) 3,386,000 16,623,000
Proceeds from sale of vehicles 81,000 33,000 177,000
Proceeds from sale of other real estate 3,714,000 4,937,000 3,462,000
Purchases of premises and equipment (915,000) (271,000) (1,210,000)
Net cash (used in) provided by investing activities (43,726,000) 13,830,000 43,538,000
Cash flows from financing activities:      
Net increase (decrease) in demand, interest-bearing and savings deposits 30,221,000 3,534,000 (3,353,000)
Net decrease in time deposits (9,799,000) (37,281,000) (5,015,000)
Net (decrease) increase in securities sold under agreements to repurchase (902,000) 8,279,000  
Net decrease in short-term borrowings     (20,000,000)
Repayment of long-term debt     (20,000,000)
Payment of cash dividend on preferred stock     (150,000)
Net cash provided by (used in) financing activities 19,520,000 (25,468,000) (48,518,000)
(Decrease) increase in cash and cash equivalents (18,401,000) (1,552,000) 5,135,000
Cash and cash equivalents at beginning of year 63,076,000 64,628,000 59,493,000
Cash and cash equivalents at end of year 44,675,000 63,076,000 64,628,000
Cash paid during the year for:      
Interest expense 942,000 1,688,000 3,000,000
Income taxes 2,000 2,000  
Non-cash investing activities:      
Real estate acquired through foreclosure 1,208,000 5,710,000 1,391,000
Vehicles acquired through repossession $ 65,000 $ 79,000 $ 112,000
XML 73 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (Parenthetical) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Consolidated Balance Sheets [Abstract]    
Allowance for loan losses $ 5,686,000 $ 6,908,000
Preferred stock, par value      
Preferred stock, shares authorized 10,000,000 10,000,000
Preferred stock, shares issued 11,949 11,949
Preferred stock, shares outstanding 11,949 11,949
Serial preferred stock aggregate liquidation value $ 13,667,000  
Common stock, par value      
Common stock, shares authorized 22,500,000 22,500,000
Common stock, shares issued 4,776,339 4,776,339
Common stock, shares outstanding 4,776,339 4,776,339
XML 74 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
Borrowing Arrangements
12 Months Ended
Dec. 31, 2012
Borrowing Arrangements [Abstract]  
BORROWING ARRANGEMENTS

10. BORROWING ARRANGEMENTS

The Company is a member of the FHLB and can borrow up to $98,000,000 from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $191,000,000. The Company is required to hold FHLB stock as a condition of membership. At December 31, 2012, the Company held $1,950,000 of FHLB stock which is recorded as a component of other assets. At this level of stock holdings the Company can borrow up to $41,000,000. To borrow the $98,000,000 in available credit the Company would need to purchase $2,661,000 in additional FHLB stock. There were no outstanding borrowings under this agreement at December 31, 2012 and 2011.

 

XML 75 R91.htm IDEA: XBRL DOCUMENT v2.4.0.6
Parent Only Condensed Financial Statements (Details 1) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Expenses:      
Interest on junior subordinated deferrable interest debentures $ 344,000 $ 326,000 $ 312,000
Other expenses 83,000 53,000 4,000
Total interest expense 1,274,000 1,848,000 3,147,000
Loss before equity in undistributed income of subsidiary 3,020,000 1,236,000 1,360,000
Income tax benefit 1,070,000 295,000 389,000
Net income 1,950,000 941,000 971,000
Total comprehensive income 2,121,000 1,151,000 297,000
Parent Company [Member]
     
Income:      
Earnings from investment in Plumas Statutory Trusts I and II 10,000 10,000 9,000
Expenses:      
Interest on junior subordinated deferrable interest debentures 344,000 326,000 312,000
Other expenses 242,000 199,000 242,000
Total interest expense 586,000 525,000 554,000
Loss before equity in undistributed income of subsidiary (576,000) (515,000) (545,000)
Equity in undistributed income of subsidiary 2,289,000 1,244,000 1,292,000
Income before income taxes 1,713,000 729,000 747,000
Income tax benefit 237,000 212,000 224,000
Net income $ 1,950,000 $ 941,000 $ 971,000
XML 76 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information (USD $)
In Millions, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Mar. 22, 2013
Jun. 30, 2012
Document and Entity Information [Abstract]      
Entity Registrant Name PLUMAS BANCORP    
Entity Central Index Key 0001168455    
Document Type 10-K    
Document Period End Date Dec. 31, 2012    
Amendment Flag false    
Document Fiscal Year Focus 2012    
Document Fiscal Period Focus FY    
Current Fiscal Year End Date --12-31    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Filer Category Smaller Reporting Company    
Entity Public Float     $ 13.3
Entity Common Stock, Shares Outstanding   4,776,339  
XML 77 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Junior Subordinated Deferrable Interest Debentures
12 Months Ended
Dec. 31, 2012
Junior Subordinated Deferrable Interest Debentures [Abstract]  
JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES

11. JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES

Plumas Statutory Trust I and II are Connecticut business trusts formed by the Company with capital of $290,000 and $157,000, respectively, for the sole purpose of issuing trust preferred securities fully and unconditionally guaranteed by the Company. Under applicable regulatory guidance, the amount of trust preferred securities that is eligible as Tier 1 capital is limited to twenty-five percent of the Company's Tier 1 capital, as defined, on a pro forma basis. At December 31, 2012, all of the trust preferred securities that have been issued qualify as Tier 1 capital.

During 2002, Plumas Statutory Trust I issued 6,000 Floating Rate Capital Trust Pass-Through Securities ("Trust Preferred Securities"), with a liquidation value of $1,000 per security, for gross proceeds of $6,000,000. During 2005, Plumas Statutory Trust II issued 4,000 Trust Preferred Securities with a liquidation value of $1,000 per security, for gross proceeds of $4,000,000. The entire proceeds were invested by Trust I in the amount of $6,186,000 and Trust II in the amount of $4,124,000 in Floating Rate Junior Subordinated Deferrable Interest Debentures (the "Subordinated Debentures") issued by the Company, with identical maturity, repricing and payment terms as the Trust Preferred Securities. The Subordinated Debentures represent the sole assets of Trusts I and II.

Trust I’s Subordinated Debentures mature on September 26, 2032, bear a current interest rate of 3.71% (based on 3-month LIBOR plus 3.40%), with repricing and payments due quarterly. Trust II’s Subordinated Debentures mature on September 28, 2035, bear a current interest rate of 1.79% (based on 3-month LIBOR plus 1.48%), with repricing and payments due quarterly. The Subordinated Debentures are redeemable by the Company, subject to receipt by the Company of prior approval from the Federal Reserve Board of Governors, on any quarterly anniversary date on or after the 5-year anniversary date of the issuance. The redemption price is par plus accrued and unpaid interest, except in the case of redemption under a special event which is defined in the debenture. The Trust Preferred Securities are subject to mandatory redemption to the extent of any early redemption of the Subordinated Debentures and upon maturity of the Subordinated Debentures on September 26, 2032 for Trust I and September 28, 2035 for Trust II.

Holders of the Trust Preferred Securities are entitled to a cumulative cash distribution on the liquidation amount of $1,000 per security. The interest rate of the Trust Preferred Securities issued by Trust I adjust on each quarterly anniversary date to equal the 3-month LIBOR plus 3.40%. The Trust Preferred Securities issued by Trust II adjust on each quarterly anniversary date to equal the 3-month LIBOR plus 1.48%. Both Trusts I and II have the option to defer payment of the distributions for a period of up to five years, as long as the Company is not in default on the payment of interest on the Subordinated Debentures. The Trust Preferred Securities were sold and issued in private transactions pursuant to an exemption from registration under the Securities Act of 1933, as amended. The Company has guaranteed, on a subordinated basis, distributions and other payments due on the Trust Preferred Securities. Since the second quarter of 2010, the Company has deferred regularly scheduled quarterly interest payments on its outstanding junior subordinated debentures relating to its two trust preferred securities and has given notice of deferral each quarterly payment period.

 

While the Company has accrued for this obligation, it has been deferring the interest payments on the junior subordinated debentures as permitted by the agreements. As of December 31, 2012 and 2011, the amount of the arrearage on the payments on the subordinated debt associated with the trust preferred securities was $906,000 and $569,000, respectively. On March 15, 2013, with the approval of the Federal Reserve Bank of San Francisco (FRB), the Company made all current and deferred interest payments on its trust preferred securities.

Interest expense recognized by the Company for the years ended December 31, 2012, 2011 and 2010 related to the subordinated debentures was $344,000, $326,000 and $312,000, respectively.

XML 78 R80.htm IDEA: XBRL DOCUMENT v2.4.0.6
Shareholder's Equity (Details Textual) (USD $)
1 Months Ended 12 Months Ended
Jan. 30, 2009
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Class of Stock [Line Items]        
Redeemable Value Of Series A Preferred Stock   $ 13,667,000    
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure (Textual) [Abstract]        
Dividend restriction description   the lesser of the Bank's retained earnings or the Bank's net income for the latest three fiscal years, less dividends previously declared during that period, or, with the approval of the DFI, to the greater of the retained earnings of the Bank, the net income of the Bank for its last fiscal year, or the net income of the Bank for its current fiscal year.    
Dividend distribution available under restriction   4,800,000    
Purchase of warrant 237,712      
Aggregate purchase price of preferred shares and warrants 11,949,000      
Assets as percent of liabilities   125.00%    
Validity term of warrant 10 years      
Warrant exercise value 7.54      
Fair value of warrant 320,000      
Discount accretion   87,000 87,000 87,000
Stock options not included in the computation of diluted earnings per share   394,000 483,000 312,000
Stock remain reserved for issuance to employees and directors   419,806    
Payment in full option, description   Payment in full for the option price must be made in cash or with Company common stock previously acquired by the optionee and held by the optionee for a period of at least six months    
Option Expiry Date   10 years    
Unrecognized compensation cost related to non-vested stock option awards   88,000    
Expected weighted-average period   2 years 2 months 12 days    
Total fair value of options vested   89,000 153,000  
Maximum [Member]
       
Class of Stock [Line Items]        
Options vesting period   5 years    
Minimum [Member]
       
Class of Stock [Line Items]        
Options vesting period   3 years    
Series A Preferred Stock [Member]
       
Class of Stock [Line Items]        
Series A Preferred Stock Issued 11,949      
Discount rate on series A preferred stock 12.00%      
Amortization period of series A preferred stock   5 years    
Series A preferred stock cumulative dividend for first 5 years   5.00%    
Series A preferred stock cumulative dividends thereafter   9.00%    
Redeemable Value Of Series A Preferred Stock   1,000    
Arrears of dividend payment for series A preferred stock   $ 1,643,000 $ 1,046,000  
XML 79 R90.htm IDEA: XBRL DOCUMENT v2.4.0.6
Parent Only Condensed Financial Statements (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Assets Current        
Cash and cash equivalents $ 44,675,000 $ 63,076,000 $ 64,628,000 $ 59,493,000
Total assets 477,802,000 455,349,000    
LIABILITIES AND SHAREHOLDERS' EQUITY        
Total liabilities 435,952,000 415,715,000    
Shareholders' equity:        
Preferred stock 11,855,000 11,769,000    
Common stock 6,093,000 5,998,000    
Retained earnings 23,573,000 21,709,000    
Accumulated other comprehensive income 329,000 158,000    
Total shareholders' equity 41,850,000 39,634,000 37,988,000 38,231,000
Total liabilities and shareholders' equity 477,802,000 455,349,000    
Parent Company [Member]
       
Assets Current        
Cash and cash equivalents 477,000 660,000 626,000 3,710,000
Investment in bank subsidiary 51,372,000 48,822,000    
Other assets 1,334,000 1,086,000    
Total assets 53,183,000 50,568,000    
LIABILITIES AND SHAREHOLDERS' EQUITY        
Other liabilities 1,023,000 624,000    
Junior subordinated deferrable interest debentures 10,310,000 10,310,000    
Total liabilities 11,333,000 10,934,000    
Shareholders' equity:        
Preferred stock 11,855,000 11,769,000    
Common stock 6,093,000 5,998,000    
Retained earnings 23,573,000 21,709,000    
Accumulated other comprehensive income 329,000 158,000    
Total shareholders' equity 41,850,000 39,634,000    
Total liabilities and shareholders' equity $ 53,183,000 $ 50,568,000    
XML 80 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Income (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest income:      
Interest and fees on loans $ 17,427,000 $ 17,400,000 $ 18,860,000
Interest on investment securities:      
Taxable 892,000 1,138,000 1,649,000
Exempt from federal income taxes   6,000 123,000
Other 106,000 124,000 48,000
Total interest income 18,425,000 18,668,000 20,680,000
Interest Expense:      
Interest on deposits 847,000 1,469,000 2,696,000
Interest on borrowings     135,000
Interest on junior subordinated deferrable interest debentures 344,000 326,000 312,000
Other 83,000 53,000 4,000
Total interest expense 1,274,000 1,848,000 3,147,000
Net interest income before provision for loan losses 17,151,000 16,820,000 17,533,000
Provision for loan losses 2,350,000 3,500,000 5,500,000
Net interest income after provision for loan losses 14,801,000 13,320,000 12,033,000
Non-interest income:      
Service charges 3,617,000 3,477,000 3,642,000
Gain on sale of loans 1,324,000 1,939,000 1,055,000
Gain on sale of investments 403,000 666,000 1,160,000
Earnings on bank owned life insurance policies, net 345,000 352,000 351,000
Sale of merchant processing portfolio     1,435,000
Other 907,000 728,000 825,000
Total non-interest income 6,596,000 7,162,000 8,468,000
Non-interest expenses:      
Salaries and employee benefits 8,968,000 9,195,000 9,732,000
Occupancy and equipment 3,023,000 3,088,000 3,096,000
Provision for losses on other real estate 907,000 579,000 356,000
Other 5,479,000 6,384,000 5,957,000
Total non-interest expenses 18,377,000 19,246,000 19,141,000
Income before income taxes 3,020,000 1,236,000 1,360,000
Provision for income taxes 1,070,000 295,000 389,000
Net income 1,950,000 941,000 971,000
Preferred stock dividends accrued and discount accretion (684,000) (684,000) (684,000)
Net income available to common shareholders $ 1,266,000 $ 257,000 $ 287,000
Basic earnings per common share $ 0.26 $ 0.05 $ 0.06
Diluted earnings per common share $ 0.26 $ 0.05 $ 0.06
Common dividends per share         
XML 81 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
12 Months Ended
Dec. 31, 2012
Investment Securities [Abstract]  
INVESTMENT SECURITIES

5. INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011 consisted of the following:

 

                                 

Available-for-Sale

  2012  
          Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair  
    Cost     Gains     Losses     Value  

Debt securities:

                               

U.S. Government-sponsored agencies

  $ 38,291,000     $ 154,000     $ (3,000   $ 38,442,000  

U.S. Government-sponsored agencies collateralized by mortgage obligations

    42,112,000       434,000       (24,000     42,522,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 80,403,000     $ 588,000     $ (27,000   $ 80,964,000  
   

 

 

   

 

 

   

 

 

   

 

 

 

Net unrealized gains on available-for-sale investment securities totaling $561,000 were recorded, net of $232,000 in tax expense, as accumulated other comprehensive income within shareholders' equity at December 31, 2012. During the year ended December 31, 2012, the Company sold twenty-five available-for-sale investment securities for $20,773,000, recording a $403,000 gain on sale. No securities were sold at a loss.

 

                                 

Available-for-Sale

  2011  
          Gross     Gross     Estimated  
    Amortized     Unrealized     Unrealized     Fair  
    Cost     Gains     Losses     Value  

Debt securities:

                               

U.S. Government-sponsored agencies

  $ 32,708,000     $ 92,000     $ (23,000 ) $      32,777,000  

U.S. Government-sponsored agencies collateralized by mortgage obligations

    24,941,000       251,000       (52,000     25,140,000  
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 57,649,000     $ 343,000     $ (75,000 ) $      57,917,000  
   

 

 

   

 

 

   

 

 

   

 

 

 

Net unrealized gains on available-for-sale investment securities totaling $268,000 were recorded, net of $110,000 in tax expense, as accumulated other comprehensive income within shareholders' equity at December 31, 2011. During the year ended December 31, 2011 the Company sold twenty-seven available-for-sale investment securities for total proceeds of $29,404,000. The Company realized a gain on sale from twenty-five of these securities totaling $690,000 and a loss on sale on two securities of $24,000 resulting in the recognition of a $666,000 net gain on sale. During the year ended December 31, 2010 the Company sold sixty-five available-for-sale securities for $40,902,000, and realized a $1,160,000 gain on sale.

There were no transfers of available-for-sale investment securities during the years ended December 31, 2012, 2011 or 2010. There were no securities classified as held-to-maturity at December 31, 2012 or December 31, 2011.

 

Investment securities with unrealized losses at December 31, 2012 and 2011 are summarized and classified according to the duration of the loss period as follows:

 

                 

December 31, 2012

  Less than 12 Months  
    Fair     Unrealized  
    Value     Losses  

Debt securities:

               

U.S. Government-sponsored agencies

  $ 2,004,000     $ 3,000  

U.S. Government- sponsored agencies collateralized by mortgage obligations

    7,002,000       24,000  
   

 

 

   

 

 

 
    $ 9,006,000     $ 27,000  
   

 

 

   

 

 

 
   

December 31, 2011

  Less than 12 Months  
    Fair
Value
    Unrealized
Losses
 

Debt securities:

               

U.S. Government-sponsored agencies

  $ 11,044,000     $ 23,000  

U.S. Government- sponsored agencies collateralized by mortgage obligations

    9,144,000       52,000  
   

 

 

   

 

 

 
    $ 20,188,000     $ 75,000  
   

 

 

   

 

 

 

There were no securities in a loss position for more than one year as of December 31, 2012 and 2011.

At December 31, 2012, the Company held 55 securities of which 8 were in a loss position. Of the securities in a loss position, all were in a loss position for less than twelve months. Of the 8 securities 2 are U.S. Government-sponsored agencies and 6 are U.S. Government-sponsored agencies collateralized by residential mortgage obligations. The unrealized losses relate principally to market rate conditions. All of the securities continue to pay as scheduled. When analyzing an issuer’s financial condition, management considers the length of time and extent to which the market value has been less than cost; the historical and implied volatility of the security; the financial condition of the issuer of the security; and the Company’s intent and ability to hold the security to recovery. As of December 31, 2012, management does not have the intent to sell these securities nor does it believe it is more likely than not that it will be required to sell these securities before the recovery of its amortized cost basis. Based on the Company’s evaluation of the above and other relevant factors, the Company does not believe the securities that are in an unrealized loss position as of December 31, 2012 are other than temporarily impaired.

 

The amortized cost and estimated fair value of investment securities at December 31, 2012 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because the issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties.

 

                 
          Estimated  
    Amortized     Fair  
    Cost     Value  

Within one year

  $ 1,000,000       1,008,000  

After one year through five years

    37,291,000       37,434,000  

Investment securities not due at a single maturity date:

               

Government-sponsored mortgage-backed securities

    42,112,000       42,522,000  
   

 

 

   

 

 

 
    $ 80,403,000     $ 80,964,000  
   

 

 

   

 

 

 

Investment securities with amortized costs totaling $44,305,000 and $44,878,000 and estimated fair values totaling $44,535,0 00 and $45,149,000 at December 31, 2012 and 2011, respectively, were pledged to secure deposits and repurchase agreements.

XML 82 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements
12 Months Ended
Dec. 31, 2012
Fair Value Measurements [Abstract]  
FAIR VALUE MEASUREMENTS

4. FAIR VALUE MEASUREMENTS

The Company measures fair value under the fair value hierarchy described below.

Level 1: Quoted prices for identical instruments traded in active exchange markets.

Level 2: Quoted prices (unadjusted) for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable or can be corroborated by observable market data.

Level 3: Model based techniques that use one significant assumption not observable in the market. These unobservable assumptions reflect the Company’s estimates of assumptions that market participants would use on pricing the asset or liability. Valuation techniques include management judgment and estimation which may be significant.

In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

 

Management monitors the availability of observable market data to assess the appropriate classification of financial instruments within the fair value hierarchy. Changes in economic conditions or model-based valuation techniques may require the transfer of financial instruments from one fair value level to another. In such instances, the transfer is reported at the beginning of the reporting period.

Management evaluates the significance of transfers between levels based upon the nature of the financial instrument and size of the transfer relative to total assets, total liabilities or total earnings.

Fair Value of Financial Instruments

The carrying amounts and estimated fair values of financial instruments, at December 31, 2012 and December 31, 2011 are as follows:

 

                                         
          Fair Value Measurements at December 31, 2012 Using:  
    Carrying
Value
    Level 1     Level 2     Level 3     Total Fair
Value
 

Financial assets:

                                       

Cash and cash equivalents

  $ 44,675,000     $ 44,675,000                     $ 44,675,000  

Investment securities

    80,964,000             $ 80,964,000               80,964,000  

Loans, net

    310,271,000                     $ 313,929,000       313,929,000  

FHLB stock

    1,950,000                               N/A  

Accrued interest receivable

    1,677,000               248,000       1,429,000       1,677,000  

Financial liabilities:

                                       

Deposits

    411,562,000       340,986,000       70,696,000               411,682,000  

Repurchase Agreements

    7,377,000               7,377,000               7,377,000  

Junior subordinated deferrable interest debentures

    10,310,000                       3,191,000       3,191,000  

Accrued interest payable

    1,115,000       6,000       90,000       1,019,000       1,115,0000  

 

                                         
          Fair Value Measurements at December 31, 2011 Using:  
    Carrying
Value
    Level 1     Level 2     Level 3     Total Fair
Value
 

Financial assets:

                                       

Cash and cash equivalents

  $ 63,076,000     $ 63,076,000                     $ 63,076,000  

Investment securities

    57,917,000             $ 57,917,000               57,917,000  

Loans, net

    287,432,000                     $ 290,710,000       290,710,000  

FHLB stock

    2,043,000                               N/A  

Accrued interest receivable

    1,638,000               241,000       1,397,000       1,638,000  

Financial liabilities:

                                       

Deposits

    391,140,000       310,765,000       80,645,000               391,410,000  

Repurchase Agreements

    8,279,000               8,279,000               8,279,000  

Junior subordinated deferrable interest debentures

    10,310,000                       3,079,000       3,079,000  

Accrued interest payable

    783,000       7,000       167,000       609,000       783,000  

 

These estimates do not reflect any premium or discount that could result from offering the Company's entire holdings of a particular financial instrument for sale at one time, nor do they attempt to estimate the value of anticipated future business related to the instruments. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates.

The following methods and assumptions were used by management to estimate the fair value of its financial instruments:

Cash and cash equivalents: The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.

Investment securities: Fair values for securities available for sale are generally determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2).

Loans: Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

FHLB stock: It was not practicable to determine the fair value of the FHLB stock due to restrictions placed on its transferability.

Deposits: The fair values disclosed for demand deposits, including interest and non-interest demand accounts, savings, and certain types of money market accounts are, by definition, equal to the carrying amount at the reporting date resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.

Repurchase agreements: The fair value of securities sold under repurchase agreements is estimated based on bid quotations received from brokers using observable inputs and are included as Level 2.

Junior subordinated deferrable interest debentures: The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.

 

Accrued interest and payable: The carrying amounts of accrued interest approximate fair value and are considered to be linked in classification to the asset or liability for which they relate.

Commitments to extend credit and letters of credit: The fair value of commitments are estimated using the fees currently charged to enter into similar agreements and are not significant and, therefore, not presented. Commitments to extend credit are primarily for variable rate loans and letters of credit.

Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding current economic conditions, risk characteristics of various financial instruments and other factors. Those estimates that are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision are included in Level 3. Changes in assumptions could significantly affect the fair values presented.

The following tables present information about the Company’s assets and liabilities measured at fair value on a recurring and non-recurring basis as of December 31, 2012 and December 31, 2011, and indicates the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value:

Assets and liabilities measured at fair value on a recurring basis at December 31, 2012 are summarized below:

 

                                 
          Fair Value Measurements at December 31, 2012 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs (Level 3)
 

Assets:

                               

U.S. Government-sponsored agencies

  $ 38,442,000             $ 38,442,000          

U.S. Government-sponsored agencies collateralized by mortgage obligations

    42,522,000               42,522,000          
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 80,964,000     $ —       $ 80,964,000     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 

 

                                 
          Fair Value Measurements at December 31, 2011 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs (Level 3)
 

Assets:

                               

U.S. Government-sponsored agencies

  $ 32,777,000             $ 32,777,000          

U.S. Government-sponsored agencies collateralized by mortgage obligations

    25,140,000               25,140,000          
   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 57,917,000     $ —       $ 57,917,000     $ —    
   

 

 

   

 

 

   

 

 

   

 

 

 

The fair value of securities available-for-sale equals quoted market price, if available. If quoted market prices are not available, fair value is determined using quoted market prices for similar securities or matrix pricing. There were no changes in the valuation techniques used during 2012 or 2011. Transfers between hierarchy measurement levels are recognized by the Company as of the beginning of the reporting period. During the year ended December 31, 2011, U.S. Government-sponsored agencies were transferred to Level 2 from level 1of the fair value hierarchy as the Company currently values these securities by relying on the securities’ relationship to other benchmark quoted securities. Changes in fair market value are recorded in other comprehensive income.

 

Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2012 are summarized below:

 

                                         
          Fair Value Measurements at December 31, 2012 Using  
    Total Fair
Value
    Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable
Inputs

(Level 2)
    Significant
Unobservable
Inputs

(Level 3)
    Total
Gains
(Losses)
 

Assets:

                                       

Impaired loans:

                                       

Commercial

  $ 3,066,000                     $ 3,066,000     $ (346,000

Agricultural

    646,000                       646,000       (1,000

Real estate – residential

    2,954,000                       2,954,000       (308,000

Real estate – commercial

    4,128,000                       4,128,000       (283,000

Real estate – construction and land development

    3,835,000                       3,835,000       (712,000

Equity lines of credit

    690,000                       690,000       (392,000

Auto

    —                         —         —    

Other

    —                         —        
(2,000

   

 

 

                   

 

 

   

 

 

 

Total impaired loans

    15,319,000                       15,319,000       (2,044,000
   

 

 

                   

 

 

   

 

 

 

Other real estate:

                                       

Real estate – residential

    818,000                       818,000       (85,000

Real estate – commercial

    1,953,000                       1,953,000       (287,000

Real estate – construction and land development

    2,407,000                       2,407,000       (535,000

Equity lines of credit

    117,000                       117,000          
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total other real estate

    5,295,000       —         —         5,295,000       (907,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
      $20,614,000     $ —       $ —       $ 20,614,000     $ (2,951,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2011 are summarized below:

 

                                         
          Fair Value Measurements at December 31, 2011 Using  
    Total Fair Value     Quoted Prices in
Active  Markets for
Identical Assets
(Level 1)
    Significant Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs
(Level 3)
    Total
Gains
(Losses)
 

Assets:

                                       

Impaired loans:

                                       

Commercial

  $ 2,942,000                     $ 2,942,000     $ (315,000

Agricultural

    245,000                       245,000       (250,000

Real estate – residential

    2,558,000                       2,558,000       (297,000

Real estate – commercial

    3,701,000                       3,701,000       (52,000

Real estate – construction and land development

    4,070,000                       4,070,000       (402,000

Equity lines of credit

    49,000                       49,000       (100,000

Auto

    —                         —        
—  
 

Other

    —                         —         (1,000
   

 

 

                   

 

 

   

 

 

 

Total impaired loans

    13,565,000                       13,565,000       (1,417,000
   

 

 

                   

 

 

   

 

 

 

Other real estate:

                                       

Real estate – residential

    644,000                       644,000       (85,000

Real estate – commercial

    5,021,000                       5,021,000       (54,000

Real estate – construction and land development

    2,958,000                       2,958,000       (440,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total other real estate

    8,623,000                       8,623,000       (579,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
    $ 22,188,000     $ —       $ —       $ 22,188,000     $ (1,996,000
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

The Company has no liabilities which are reported at fair value.

The following methods were used to estimate fair value.

Impaired Loans: The fair value of collateral dependent impaired loans with specific allocations of the allowance for loan losses or loans that have been subject to partial charge-offs are generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Total losses of $2,044,000 and $1,417,000 represent impairment charges recognized during the years ended December 31, 2012 and 2011, respectively, related to the above impaired loans.

 

Other Real Estate: Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned (OREO) are measured at fair value, less costs to sell. Fair values are based on recent real estate appraisals. These appraisals may use a single valuation approach or a combination of approaches including comparable sales and the income approach.

Appraisals for both collateral-dependent impaired loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Appraisal Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. On a quarterly basis, the Company compares the actual selling price of similar collateral that has been liquidated to the most recent appraised value for unsold properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.

In certain cases we use discounted cash flow or similar internal modeling techniques to determine the fair value of our Level 3 assets and liabilities. Use of these techniques requires determination of relevant inputs and assumptions, some of which represent significant unobservable inputs. Accordingly, changes in these unobservable inputs may have a significant impact on fair value.

Certain of these unobservable inputs will (in isolation) have a directionally consistent impact on the fair value of the instrument for a given change in that input. Alternatively, the fair value of the instrument may move in an opposite direction for a given change in another input. Where multiple inputs are used within the valuation technique of an asset or liability, a change in one input in a certain direction may be offset by an opposite change in another input having a potentially muted impact to the overall fair value of that particular instrument. Additionally, a change in one unobservable input may result in a change to another unobservable input (that is, changes in certain inputs are interrelated to one another), which may counteract or magnify the fair value impact.

 

The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2012 (dollars in thousands):

 

                     
    Fair     Valuation   Significant   Range

Description

  Value    

Technique

 

Unobservable Input

  (Weighted Average)

Impaired Loans:

                   

Commercial

  $ 3,066     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 20% (10%)
            Management estimates     b. Management adjustments for depreciation in values depending on property types    

Agricultural

  $ 646     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 15% (8%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

RE – Residential

  $ 2,954     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

RE – Commercial

  $ 4,128     Income Approach   a. Appraisers required to apply a discounted cash flow approach as sales data is limited   0% - 10% (7%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Land and Construction

  $ 3,835     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 15% (8%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Equity Lines of Credit

  $ 690     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)
            Management estimates   b. Management adjustments for depreciation in values depending on property types    

Other Real Estate:

                   

RE – Residential

  $ 818     Sales Comparison   a. Appraiser adjustments on sales comp data   0% - 25% (10%)

Land and Construction

  $ 2,407     Sales Comparison        

RE – Commercial

  $ 1,953     Sales Comparison   b. Appraiser adjustments on land properties    

Equity Lines of Credit

  $ 117     Sales Comparison   based on discounted cash flow approach    

 

XML 83 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Related Party Transactions
12 Months Ended
Dec. 31, 2012
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS

16. RELATED PARTY TRANSACTIONS

During the normal course of business, the Company enters into transactions with related parties, including executive officers and directors. The following is a summary of the aggregate activity involving related party borrowers during 2012:

 

         

Balance, January 1, 2012

  $ 595,000  

Disbursements

    9,000  

Amounts repaid

    (131,000
   

 

 

 

Balance, December 31, 2012

  $ 473,000  
   

 

 

 

Undisbursed commitments to related parties, December 31, 2012

  $ 651,000  
   

 

 

 

 

XML 84 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Commitments and Contingencies
12 Months Ended
Dec. 31, 2012
Regulatory Matters/Commitments and Contingencies [Abstract]  
COMMITMENTS AND CONTINGENCIES

12. COMMITMENTS AND CONTINGENCIES

Leases

The Company has commitments for leasing premises under the terms of noncancelable operating leases expiring from 2013 to 2015. Future minimum lease payments are as follows:

 

         
Year Ending      

December 31,

     

2013

  $ 91,000  

2014

    60,000  

2015

    31,000  
   

 

 

 
    $ 182,000  
   

 

 

 

Rental expense included in occupancy and equipment expense totaled $153,000, $150,000 and $20,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

Financial Instruments With Off-Balance-Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on the consolidated balance sheet.

The Company's exposure to credit loss in the event of nonperformance by the other party for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and letters of credit as it does for loans included on the consolidated balance sheet.

The following financial instruments represent off-balance-sheet credit risk:

 

                 
    December 31,  
    2012     2011  

Commitments to extend credit

  $ 76,030,000     $ 79,164,000  

Letters of credit

  $ 110,000     $ 50,000  

 

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, crops, inventory, equipment, income-producing commercial properties, farm land and residential properties.

Letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. The fair value of the liability related to these letters of credit, which represents the fees received for issuing the guarantees, was not significant at December 31, 2012 and 2011. The Company recognizes these fees as revenues over the term of the commitment or when the commitment is used.

At December 31, 2012, consumer loan commitments represent approximately 21% of total commitments and are generally unsecured. Commercial and agricultural loan commitments represent approximately 35% of total commitments and are generally secured by various assets of the borrower. Real estate loan commitments, including consumer home equity lines of credit, represent the remaining 44% of total commitments and are generally secured by property with a loan-to-value ratio not to exceed 80%. In addition, the majority of the Company’s commitments have variable interest rates.

Concentrations of Credit Risk

The Company grants real estate mortgage, real estate construction, commercial, agricultural and consumer loans to customers throughout Plumas, Nevada, Placer, Lassen, Sierra, Shasta and Modoc counties in California and Washoe county in Northern Nevada.

Although the Company has a diversified loan portfolio, a substantial portion of its portfolio is secured by commercial and residential real estate. A continued substantial decline in the economy in general, or a continued decline in real estate values in the Company’s primary market areas in particular, could have an adverse impact on the collectability of these loans. However, personal and business income represents the primary source of repayment for a majority of these loans.

Contingencies

The Company is subject to legal proceedings and claims which arise in the ordinary course of business. In the opinion of management, the amount of ultimate liability with respect to such actions will not materially affect the financial position or results of operations of the Company.

 

XML 85 R84.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income taxes (Details 2)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
The provision for income taxes differs from amounts computed by applying the statutory Federal income tax rate to operating income before income taxes      
Federal income tax, at statutory rate 34.00% 34.00% 34.00%
State franchise tax, net of Federal tax effect 5.70% 4.40% 5.50%
Interest on obligations of states and political subdivisions (0.30%) (2.70%) (4.40%)
Net increase in cash surrender value of bank owned life insurance (3.90%) (9.70%) (8.80%)
Other (0.10%) (2.10%) 2.30%
Effective tax rate 35.40% 23.90% 28.60%
XML 86 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits
12 Months Ended
Dec. 31, 2012
Deposits [Abstract]  
DEPOSITS

8. DEPOSITS

Interest-bearing deposits consisted of the following:

 

                 
    December 31,  
    2012     2011  

Interest-bearing demand deposits

  $ 83,384,000     $ 82,025,000  

Money market

    43,751,000       38,840,000  

Savings

    70,205,000       63,969,000  

Time, $100,000 or more

    27,886,000       31,624,000  

Other time

    42,690,000       48,751,000  
   

 

 

   

 

 

 
    $ 267,916,000     $ 265,209,000  
   

 

 

   

 

 

 

At December 31, 2012, the scheduled maturities of time deposits were as follows:

 

         

Year Ending December 31,

     

2013

  $ 52,605,000  

2014

    11,941,000  

2015

    3,820,000  

2016

    1,841,000  

2017

    272,000  

thereafter

    97,000  
   

 

 

 
    $ 70,576,000  
   

 

 

 

 

At December 31, 2012, the contractual maturities of time deposits with a denomination of $100,000 and over were as follows: $10,797,000 in 3 months or less, $4,305,000 over 3 months through 6 months, $6,398,000 over 6 months through 12 months, and $6,386,000 over 12 months.

Deposit overdrafts reclassified as loan balances were $392,000 and $331,000 at December 31, 2012 and 2011, respectively.

XML 87 R60.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 4) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount $ 315,057 $ 293,865
Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 29,552 30,235
Agricultural [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 35,124 38,868
Real Estate - Residential [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 34,666 39,019
Real Estate - Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 139,546 119,412
Real Estate - Construction [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 15,801 17,063
Equity LOC [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 36,873 37,581
Auto [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 19,283 7,241
Other [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 4,212 4,446
Pass [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 266,224 242,082
Pass [Member] | Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 27,260 26,077
Pass [Member] | Agricultural [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 33,801 34,882
Pass [Member] | Real Estate - Residential [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 31,239 34,049
Pass [Member] | Real Estate - Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 128,919 101,395
Pass [Member] | Real Estate - Construction [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 10,863 11,383
Pass [Member] | Equity LOC [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 34,142 34,296
Watch [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 6,713 10,711
Watch [Member] | Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 1,145 1,562
Watch [Member] | Agricultural [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 466 1,595
Watch [Member] | Real Estate - Residential [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 751 629
Watch [Member] | Real Estate - Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 3,237 5,575
Watch [Member] | Real Estate - Construction [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 149 50
Watch [Member] | Equity LOC [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 965 1,300
Substandard [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 18,616 29,197
Substandard [Member] | Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 1,138 2,433
Substandard [Member] | Agricultural [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 857 2,391
Substandard [Member] | Real Estate - Residential [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 2,676 4,327
Substandard [Member] | Real Estate - Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 7,390 12,442
Substandard [Member] | Real Estate - Construction [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 4,789 5,630
Substandard [Member] | Equity LOC [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 1,766 1,974
Doubtful [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 9 188
Doubtful [Member] | Commercial [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 9 163
Doubtful [Member] | Real Estate - Residential [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount   14
Doubtful [Member] | Equity LOC [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount   11
Performing [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 23,432 11,489
Performing [Member] | Auto [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 19,239 7,165
Performing [Member] | Other [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 4,193 4,324
Non-performing [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 63 198
Non-performing [Member] | Auto [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 44 76
Non-performing [Member] | Other [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 19 122
Commercial Credit Exposure [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount 291,562 282,178
Consumer Credit Exposure [Member]
   
Loan portfolio allocated by management's internal risk ratings    
Loans receivable gross carrying amount $ 23,495 $ 11,687
XML 88 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses
12 Months Ended
Dec. 31, 2012
Loans and the Allowance for Loan Losses [Abstract]  
LOANS AND THE ALLOWANCE FOR LOAN LOSSES

6. LOANS AND THE ALLOWANCE FOR LOAN LOSSES

Outstanding loans are summarized below:

 

                 
    December 31,  
    2012     2011  

Commercial

  $ 29,552,000     $ 30,235,000  

Agricultural

    35,124,000       38,868,000  

Real estate – residential

    34,666,000       39,019,000  

Real estate – commercial

    139,546,000       119,412,000  

Real estate – construction and land development

    15,801,000       17,063,000  

Equity lines of credit

    36,873,000       37,581,000  

Auto

    19,283,000       7,241,000  

Other

    4,212,000       4,446,000  
   

 

 

   

 

 

 
      315,057,000       293,865,000  

Deferred loan costs, net

    900,000       475,000  

Allowance for loan losses

    (5,686,000     (6,908,000
   

 

 

   

 

 

 
    $ 310,271,000     $ 287,432,000  
   

 

 

   

 

 

 

Changes in the allowance for loan losses were as follows:

 

                         
    Year Ended December 31,  
    2012     2011     2010  

Balance, beginning of year

  $ 6,908,000     $ 7,324,000     $ 9,568,000  

Provision charged to operations

    2,350,000       3,500,000       5,500,000  

Losses charged to allowance

    (3,901,000     (4,247,000     (8,349,000

Recoveries

    329,000       331,000       605,000  
   

 

 

   

 

 

   

 

 

 

Balance, end of year

  $ 5,686,000     $ 6,908,000     $ 7,324,000  
   

 

 

   

 

 

   

 

 

 

The recorded investment in impaired loans totaled $18,850,000 and $24,402,000 at December 31, 2012 and 2011, respectively. The Company had specific allowances for loan losses of $1,186,000 on impaired loans of $14,334,000 at December 31, 2012 as compared to specific allowances for loan losses of $2,066,000 on impaired loans of $14,130,000 at December 31, 2011. The balance of impaired loans in which no specific reserves were required totaled $4,516,000 and $10,272,000 at December 31, 2012 and 2011, respectively. The average recorded investment in impaired loans for the years ended December 31, 2012, 2011 and 2010 was $19,816,000, $25,536,000 and $20,833,000, respectively. The Company recognized $597,000, $666,000 and $608,000 in interest income on impaired loans during the years ended December 31, 2012, 2011 and 2010, respectively.

Included in impaired loans are troubled debt restructurings. A troubled debt restructuring is a formal restructure of a loan where the Company for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower. The concessions may be granted in various forms to include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

 

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

The carrying value of troubled debt restructurings at December 31, 2012 and December 31, 2011 was $12,296,000 and $12,188,000, respectively. The Company has allocated $348,000 and $1,164,000 of specific reserves on loans to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2012 and December 31, 2011, respectively. The Company has not committed to lend additional amounts on loans classified as troubled debt restructurings at December 31, 2012 and December 31, 2011.

During the twelve month period ended December 31, 2012, the terms of certain loans were modified as troubled debt restructurings. Modifications involving a reduction of the stated interest rate of the loan was for periods ranging from 1 month to 10 years. During the twelve month period ended December 31, 2011, the terms of certain loans were modified as troubled debt restructurings. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from 1 month to 2 years. For the periods described above, modifications involving an extension of the maturity date were for periods ranging from 1 month to 10 years

The following table presents loans by class modified as troubled debt restructurings that occurred during the twelve months ending December 31, 2012:

 

                         
    Number of
Loans
    Pre-Modification
Outstanding
Recorded Investment
    Post-Modification
Recorded
Investment
 

Troubled Debt Restructurings:

                       

Commercial

    1     $ 24,000     $ 24,000  

Real Estate:

                       

Residential

    2       819,000       800,000  

Construction and land development

    3       289,000       289,000  

Commercial

    3       2,497,000       2,491,000  

Dealer

    2       11,000       11,000  
   

 

 

   

 

 

   

 

 

 

Total

    11     $ 3,640,000     $ 3,615,000  
   

 

 

   

 

 

   

 

 

 

The troubled debt restructurings described above decreased the allowance for loan losses by $118,000 during the year ending December 31, 2012. The troubled debt restructurings described above did not result in charge offs during the year ending December 31, 2012.

 

The following table presents loans by class modified as troubled debt restructurings that occurred during the twelve months ending December 31, 2011:

 

                         
    Number of
Loans
    Pre-Modification
Outstanding
Recorded Investment
    Post-Modification
Recorded

Investment
 

Troubled Debt Restructurings:

                       

Commercial

    2     $ 129,000     $ 129,000  

Agricultural

    4       996,000       996,000  

Real Estate:

                       

Construction and land development

    5       4,977,000       4,977,000  

Equity lines of credit

    1       787,000       787,000  

Dealer

    19       179,000       179,000  
   

 

 

   

 

 

   

 

 

 

Total

    31     $ 7,068,000     $ 7,068,000  
   

 

 

   

 

 

   

 

 

 

The troubled debt restructurings described above increased the allowance for loan losses by $132,000 during the year ending December 31, 2011. The troubled debt restructurings described above did not result in charge offs during the year ending December 31, 2011.

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the twelve months ended December 31, 2012.

 

                 
    Number of     Recorded  
    Loans     Investment  

Troubled Debt Restructurings:

               

Real estate – construction

    1     $ 2,978  
   

 

 

   

 

 

 

Total

    1     $ 2,978  
   

 

 

   

 

 

 

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the twelve months ended December 31, 2011.

 

                 
    Number of     Recorded  
    Loans     Investment  

Troubled Debt Restructurings:

               

Agricultural

    3     $ 630,000  

Real estate – construction

    2       139,000  

Equity lines of credit

    1       787,000  
   

 

 

   

 

 

 

Total

    6     $ 1,556,000  
   

 

 

   

 

 

 

 

The troubled debt restructurings that subsequently defaulted described above increased the allowance for loan losses by $81,000 and resulted in charge-offs of $51,000 during the year ending December 31, 2011.

The terms of certain other loans were modified during the years ending December 31, 2012 and 2011 that did not meet the definition of a troubled debt restructuring. These loans have a total recorded investment as of December 31, 2012 and 2011 of $9 million and $13.5 million, respectively.

These loans which were modified during the years ended December 31, 2012 and 2011 did not meet the definition of a troubled debt restructuring as the modification was a delay in a payment ranging from 30 days to 3 months that was considered to be insignificant or the borrower was not considered to be experiencing financial difficulties.

At December 31, 2012 and 2011, nonaccrual loans totaled $13,683,000 and $16,757,000, respectively. Interest foregone on nonaccrual loans totaled $646,000, $510,000 and $1,021,000 for the twelve months ended December 31, 2012, 2011 and 2010, respectively. Loans past due 90 days or more and on accrual status totaled $15,000 and $72,000 at December 31, 2012 and 2011, respectively.

Salaries and employee benefits totaling $953,000, $706,000 and $638,000 have been deferred as loan origination costs during the years ended December 31, 2012, 2011 and 2010, respectively.

The Company assigns a risk rating to all loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan.

 

The risk ratings can be grouped into five major categories, defined as follows:

Pass – A pass loan is a strong credit with no existing or known potential weaknesses deserving of management’s close attention.

Watch – A Watch loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company’s credit position at some future date. Watch loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard – A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well defined weaknesses include a project’s lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project’s failure to fulfill economic expectations. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

Loss – Loans classified as loss are considered uncollectible and charged off immediately.

 

The following table shows the loan portfolio allocated by management's internal risk ratings at the dates indicated, in thousands:

 

                                                         

December 31, 2012

  Commercial Credit Exposure  
    Credit Risk Profile by Internally Assigned Grade  
    Commercial     Agricultural     Real Estate-
Residential
    Real Estate-
Commercial
    Real Estate-
Construction
    Equity LOC     Total  

Grade:

                                                       

Pass

  $ 27,260     $ 33,801     $ 31,239     $ 128,919     $ 10,863     $ 34,142     $ 266,224  

Watch

    1,145       466       751       3,237       149       965       6,713  

Substandard

    1,138       857       2,676       7,390       4,789       1,766       18,616  

Doubtful

    9       —         —         —         —         —         9  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 29,552     $ 35,124     $ 34,666     $ 139,546     $ 15,801     $ 36,873     $ 291,562  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
   

December 31, 2011

  Commercial Credit Exposure  
    Credit Risk Profile by Internally Assigned Grade  
    Commercial     Agricultural     Real Estate-
Residential
    Real Estate-
Commercial
    Real Estate-
Construction
    Equity LOC     Total  

Grade:

                                                       

Pass

  $ 26,077     $ 34,882     $ 34,049     $ 101,395     $ 11,383     $ 34,296     $ 242,082  

Watch

    1,562       1,595       629       5,575       50       1,300       10,711  

Substandard

    2,433       2,391       4,327       12,442       5,630       1,974       29,197  

Doubtful

    163       —         14       —         —         11       188  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 30,235     $ 38,868     $ 39,019     $ 119,412     $ 17,063     $ 37,581     $ 282,178  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
       
    Consumer Credit Exposure           Consumer Credit Exposure  
    Credit Risk Profile Based on Payment Activity           Credit Risk Profile Based on Payment Activity  
    December 31, 2012           December 31, 2011  
    Auto     Other     Total           Auto     Other     Total  

Grade:

                                                       

Performing

  $ 19,239     $ 4,193     $ 23,432             $ 7,165     $ 4,324     $ 11,489  

Non-performing

    44       19       63               76       122       198  
   

 

 

   

 

 

   

 

 

           

 

 

   

 

 

   

 

 

 

Total

  $ 19,283     $ 4,212     $ 23,495             $ 7,241     $ 4,446     $ 11,687  
   

 

 

   

 

 

   

 

 

           

 

 

   

 

 

   

 

 

 

 

The following tables show the allocation of the allowance for loan losses by impairment methodology at the dates indicated, in thousands:

 

                                                                         
                Real Estate-     Real Estate-     Real Estate-                          
    Commercial     Agricultural     Residential     Commercial     Construction     Equity LOC     Auto     Other     Total  

Year ended 12/31/12:

                                                                       

Allowance for Loan Losses

                                                                       

Beginning balance

  $ 1,025     $ 330     $ 698     $ 1,925     $ 2,006     $ 635     $ 95     $ 194     $ 6,908  

Charge-offs

    (909     (250     (358     (258     (1,524     (377     (72     (153     (3,901

Recoveries

    66       —         1       7       81       46       51       77       329  

Provision

    673       79       553       (18     387       432       215       29       2,350  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

  $ 855     $ 159     $ 894     $ 1,656     $ 950     $ 736     $ 289     $ 147     $ 5,686  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2012:

                                                                       

Allowance for Loan Losses

                                                                       

Ending balance: individually evaluated for impairment

  $ 192     $ 1     $ 459     $ 284     $ 68     $ 180     $ —       $ 2     $ 1,186  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 663     $ 158     $ 435     $ 1,372     $ 882     $ 556     $ 289     $ 145     $ 4,500  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                                                                       

Ending balance

  $ 29,552     $ 35,124     $ 34,666     $ 139,546     $ 15,801     $ 36,873     $ 19,283     $ 4,212     $ 315,057  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

  $ 3,478     $ 647     $ 3,598     $ 4,528     $ 5,191     $ 1,360     $ 44     $ 4     $ 18,850  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 26,074     $ 34,477     $ 31,068     $ 135,018     $ 10,610     $ 35,513     $ 19,239     $ 4,208     $ 296,207  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Year ended 12/31/11:

                                                                       

Allowance for Loan Losses

                                                                       

Beginning balance

  $ 760     $ 184     $ 632     $ 1,819     $ 3,011     $ 652     $ 112     $ 154     $ 7,324  

Charge-offs

    (446     (93     (147     (336     (2,603     (311     (64     (247     (4,247

Recoveries

    93       106       1       17       5       2       82       25       331  

Provision

    618       133       212       425       1,593       292       (35     262       3,500  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance

  $ 1,025     $ 330     $ 698     $ 1,925     $ 2,006     $ 635     $ 95     $ 194     $ 6,908  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

December 31, 2011:

                                                                       

Allowance for Loan Losses

                                                                       

Ending balance: individually evaluated for impairment

  $ 310     $ 250     $ 355     $ 148     $ 901     $ 101     $ —       $ 1     $ 2,066  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 715     $ 80     $ 343     $ 1,777     $ 1,105     $ 534     $ 95     $ 193     $ 4,842  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Loans

                                                                       

Ending balance

  $ 30,235     $ 38,868     $ 39,019     $ 119,412     $ 17,063     $ 37,581     $ 7,241     $ 4,446     $ 293,865  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: individually evaluated for impairment

  $ 4,946     $ 1,268     $ 4,257     $ 5,557     $ 6,754     $ 1,494     $ 76     $ 50     $ 24,402  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Ending balance: collectively evaluated for impairment

  $ 25,289     $ 37,600     $ 34,762     $ 113,855     $ 10,309     $ 36,087     $ 7,165     $ 4,396     $ 269,463  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

The following table shows an aging analysis of the loan portfolio by the time past due at the dates indicated (amounts in thousands):

 

                                                 
    30-89 Days     90 Days and           Total              

December 31, 2012

  Past Due     Still Accruing     Nonaccrual     Past Due     Current     Total  

Commercial:

                                               

Commercial

  $ 329     $ —       $ 3,303     $ 3,632     $ 25,920     $ 29,552  

Agricultural

    —         —         380       380       34,744       35,124  

Real estate – construction

    156       —         3,314       3,470       12,331       15,801  

Real estate

    1,271       —         3,378       4,649       134,897       139,546  

Residential:

                                               

Real estate

    242       —         1,911       2,153       32,513       34,666  

Equity LOC

    527       —         1,349       1,876       34,997       36,873  

Consumer:

                                               

Auto

    151       11       44       206       19,077       19,283  

Other

    102       4       4       110       4,102       4,212  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 2,778     $ 15     $ 13,683     $ 16,476     $ 298,581     $ 315,057  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
             
    30-89 Days     90 Days and           Total              

December 31, 2011

  Past Due     Still Accruing     Nonaccrual     Past Due     Current     Total  

Commercial:

                                               

Commercial

  $ 456     $ —       $ 4,819     $ 5,275     $ 24,960     $ 30,235  

Agricultural

    —         —         999       999       37,869       38,868  

Real estate – construction

    1,113       —         634       1,747       15,316       17,063  

Real estate

    1,939       —         5,557       7,496       111,916       119,412  

Residential:

                                               

Real estate

    461       —         3,141       3,602       35,417       39,019  

Equity LOC

    775       —         1,481       2,256       35,325       37,581  

Consumer:

                                               

Auto

    232       —         76       308       6,933       7,241  

Other

    150       72       50       272       4,174       4,446  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 5,126     $ 72     $ 16,757     $ 21,955     $ 271,910     $ 293,865  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

 

The following tables show information related to impaired loans at the dates indicated, in thousands:

 

                                         
          Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  

As of December 31, 2012:

  Investment     Balance     Allowance     Investment     Recognized  

With no related allowance recorded:

                                       

Commercial

  $ 1,022     $ 1,398             $ 1,597     $ 16  

Agricultural

    245       725               573       39  

Real estate – construction

    1,429       1,503               1,106       98  

Real estate – commercial

    941       1,013               1,997       96  

Real estate – residential

    343       354               1,336       28  

Equity Lines of Credit

    490       490               613       22  

Auto

    44       44               60       5  

Other

    2       2               45       6  

With an allowance recorded:

                                       

Commercial

  $ 2,456     $ 2,849     $ 192     $ 2,765     $ 20  

Agricultural

    402       402       1       403       20  

Real estate – construction

    3,762       5,187       68       2,056       35  

Real estate – commercial

    3,587       3,588       284       3,473       102  

Real estate – residential

    3,255       3,255       459       2,818       105  

Equity Lines of Credit

    870       1,082       180       974       5  

Auto

    —         —         —         —         —    

Other

    2       2       2       —         —    

Total:

                                       

Commercial

  $ 3,478     $ 4,247     $ 192     $ 4,362     $ 36  

Agricultural

    647       1,127       1       976       59  

Real estate – construction

    5,191       6,690       68       3,162       133  

Real estate – commercial

    4,528       4,601       284       5,470       198  

Real estate – residential

    3,598       3,609       459       4,154       133  

Equity Lines of Credit

    1,360       1,572       180       1,587       27  

Auto

    44       44       —         60       5  

Other

    4       4       2       45       6  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 18,850     $ 21,894     $ 1,186     $ 19,816     $ 597  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 
           
          Unpaid           Average     Interest  
    Recorded     Principal     Related     Recorded     Income  

As of December 31, 2011:

  Investment     Balance     Allowance     Investment     Recognized  

With no related allowance recorded:

                                       

Commercial

  $ 2,506     $ 2,882             $ 2,458     $ 56  

Agricultural

    923       1,153               931       62  

Real estate – construction

    1,955       2,210               6,911       117  

Real estate – commercial

    1,707       1,707               4,751       70  

Real estate – residential

    1,711       1,739               2,069       106  

Equity Lines of Credit

    1,345       1,345               1,285       22  

Auto

    76       76               102       10  

Other

    49       49               91       2  

With an allowance recorded:

                                       

Commercial

  $ 2,440     $ 2,440     $ 310     $ 1,349     $ 25  

Agricultural

    345       345       250       345       —    

Real estate – construction

    4,799       4,850       901       2,521       186  

Real estate – commercial

    3,850       3,850       148       1,664       —    

Real estate – residential

    2,546       2,546       355       1,005       9  

Equity Lines of Credit

    149       149       101       53       1  

Auto

    —         —         —         —         —    

Other

    1       1       1       1       —    

Total:

                                       

Commercial

  $ 4,946     $ 5,322     $ 310     $ 3,807     $ 81  

Agricultural

    1,268       1,498       250       1,276       62  

Real estate – construction

    6,754       7,060       901       9,432       303  

Real estate – commercial

    5,557       5,557       148       6,415       70  

Real estate – residential

    4,257       4,285       355       3,074       115  

Equity Lines of Credit

    1,494       1,494       101       1,338       23  

Auto

    76       76       —         102       10  

Other

    50       50       1       92       2  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

Total

  $ 24,402     $ 25,342     $ 2,066     $ 25,536     $ 666  
   

 

 

   

 

 

   

 

 

   

 

 

   

 

 

 

 

XML 89 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises and Equipment
12 Months Ended
Dec. 31, 2012
Premises and Equipment [Abstract]  
PREMISES AND EQUIPMENT

7. PREMISES AND EQUIPMENT

Premises and equipment consisted of the following:

 

                 
    December 31,  
    2012     2011  

Land

  $ 2,628,000     $ 2,628,000  

Premises

    15,417,000       15,412,000  

Furniture, equipment and leasehold improvements

    10,179,000       9,874,000  
   

 

 

   

 

 

 
      28,224,000       27,914,000  

Less accumulated depreciation and amortization

    (14,953,000     (14,457,000
   

 

 

   

 

 

 
    $ 13,271,000     $ 13,457,000  
   

 

 

   

 

 

 

Depreciation and amortization included in occupancy and equipment expense totaled $1,181,000, $1,233,000 and $1,521,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

XML 90 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Securities Sold Under Agreements to Repurchase
12 Months Ended
Dec. 31, 2012
Securities Sold Under Agreements to Repurchase [Abstract]  
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

9. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

Securities sold under agreements to repurchase are secured by U.S. Government agency securities with a carrying amount of $7,377,000 and $8,279,000 at December 31, 2012 and 2011, respectively. There were no securities sold under agreements to repurchase during 2010.

Securities sold under agreements to repurchase are financing arrangements that mature within two years. At maturity, the securities underlying the agreements are returned to the Company. Information concerning securities sold under agreements to repurchase during 2012 and 2011 is summarized as follows:

 

         
    2012  

Average daily balance during the year

  $ 5,982,000  

Average interest rate during the year

    0.27

Maximum month-end balance during the year

  $ 8,041,000  

Weighted average interest rate at year-end

    0.25
   
    2011  

Average daily balance during the year

  $ 3,124,000  

Average interest rate during the year

    0.42

Maximum month-end balance during the year

  $ 8,300,000  

Weighted average interest rate at year-end

    0.41
XML 91 R64.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Loans and the Allowance for Loan Losses (Additional Textual) [Abstract]      
Recorded investment in impaired loans total $ 18,850,000 $ 24,402,000  
Specific allowances for loan losses 1,186,000 2,066,000  
Impaired loans with reserves 14,334,000 14,130,000  
Impaired loans in which no specific reserves were required 4,516,000 10,272,000  
Average recorded investment in impaired loans 19,816,000 25,536,000 20,833,000
Interest income recognized 597,000 666,000 608,000
Troubled debt restructurings 12,296,000 12,188,000  
Troubled debt restructurings specific reserves 348,000 1,164,000  
Committed to lend additional amounts on loans classified as troubled debt restructurings 0 0  
Troubled debt restructurings described a decrease in allowance for loan losses 118,000 132,000  
Subsequently increased the allowance for loan losses   81,000  
Increased the allowance for loan losses charge offs   51,000  
Loans total recorded investment 9,000,000 13,500,000  
Nonaccrual loans totaled 13,683,000 16,757,000  
Interest foregone on nonaccrual loans 646,000 510,000 1,021,000
90 Days and Still Accruing 15,000 72,000  
Deferred Loan Origination Costs 953,000 706,000 638,000
Description of credit risk exposure Risk rating to all loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio    
Credit risks exposure amount $ 100,000    
Maximum [Member]
     
Loans and the Allowance for Loan Losses (Textual) [Abstract]      
Extension of the maturity date 10 years    
Reduction of the stated interest rate of the loan 10 years 2 years  
Delay in payment of loan 3 months    
Minimum [Member]
     
Loans and the Allowance for Loan Losses (Textual) [Abstract]      
Extension of the maturity date 1 month    
Reduction of the stated interest rate of the loan 1 month 1 month  
Delay in payment of loan 30 days    
XML 92 R85.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Income Taxes (Textual) [Abstract]    
Minimum percentage of chance treated as more likely than not 50.00%  
Total deferred tax assets $ 6,883,000 $ 7,816,000
Net deferred tax asset 5,434,000  
Total deferred tax liabilities 1,449,000 1,218,000
Federal operating loss carry-forwards [Member]
   
Operating Loss Carryforwards [Line Items]    
Operating Loss Carryforwards 4,818,000  
State operating loss carry-forwards [Member]
   
Operating Loss Carryforwards [Line Items]    
Operating Loss Carryforwards $ 13,946,000  
XML 93 R66.htm IDEA: XBRL DOCUMENT v2.4.0.6
Premises and Equipment (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Premises and Equipment (Textual) [Abstract]      
Depreciation and amortization included in occupancy and equipment expense $ 1,181,000 $ 1,233,000 $ 1,521,000
XML 94 R63.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 7) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Information related to impaired loans at the dates indicated      
Recorded Investment Total $ 18,850,000 $ 24,402,000  
Unpaid Principal Balance Total 21,894,000 25,342,000  
Related Allowance Total 1,186,000 2,066,000  
Average Recorded Investment Total 19,816,000 25,536,000 20,833,000
Interest Income Recognized Total 597,000 666,000 608,000
Commercial [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 1,022,000 2,506,000  
Recorded Investment with an allowance recorded 2,456,000 2,440,000  
Recorded Investment Total 3,478,000 4,946,000  
Unpaid Principal Balance with no related allowance recorded 1,398,000 2,882,000  
Unpaid Principal Balance with an allowance recorded 2,849,000 2,440,000  
Unpaid Principal Balance Total 4,247,000 5,322,000  
Related Allowance with an allowance recorded 192,000 310,000  
Related Allowance Total 192,000 310,000  
Average Recorded Investment with no related allowance recorded 1,597,000 2,458,000  
Average Recorded Investment with related allowance recorded 2,765,000 1,349,000  
Average Recorded Investment Total 4,362,000 3,807,000  
Interest Income Recognized with no related allowance recorded 16,000 56,000  
Interest Income Recognized with related allowance recorded 20,000 25,000  
Interest Income Recognized Total 36,000 81,000  
Agricultural [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 245,000 923,000  
Recorded Investment with an allowance recorded 402,000 345,000  
Recorded Investment Total 647,000 1,268,000  
Unpaid Principal Balance with no related allowance recorded 725,000 1,153,000  
Unpaid Principal Balance with an allowance recorded 402,000 345,000  
Unpaid Principal Balance Total 1,127,000 1,498,000  
Related Allowance with an allowance recorded 1,000 250,000  
Related Allowance Total 1,000 250,000  
Average Recorded Investment with no related allowance recorded 573,000 931,000  
Average Recorded Investment with related allowance recorded 403,000 345,000  
Average Recorded Investment Total 976,000 1,276,000  
Interest Income Recognized with no related allowance recorded 39,000 62,000  
Interest Income Recognized with related allowance recorded 20,000    
Interest Income Recognized Total 59,000 62,000  
Real estate - construction [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 1,429,000 1,955,000  
Recorded Investment with an allowance recorded 3,762,000 4,799,000  
Recorded Investment Total 5,191,000 6,754,000  
Unpaid Principal Balance with no related allowance recorded 1,503,000 2,210,000  
Unpaid Principal Balance with an allowance recorded 5,187,000 4,850,000  
Unpaid Principal Balance Total 6,690,000 7,060,000  
Related Allowance with an allowance recorded 68,000 901,000  
Related Allowance Total 68,000 901,000  
Average Recorded Investment with no related allowance recorded 1,106,000 6,911,000  
Average Recorded Investment with related allowance recorded 2,056,000 2,521,000  
Average Recorded Investment Total 3,162,000 9,432,000  
Interest Income Recognized with no related allowance recorded 98,000 117,000  
Interest Income Recognized with related allowance recorded 35,000 186,000  
Interest Income Recognized Total 133,000 303,000  
Real estate - commercial [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 941,000 1,707,000  
Recorded Investment with an allowance recorded 3,587,000 3,850,000  
Recorded Investment Total 4,528,000 5,557,000  
Unpaid Principal Balance with no related allowance recorded 1,013,000 1,707,000  
Unpaid Principal Balance with an allowance recorded 3,588,000 3,850,000  
Unpaid Principal Balance Total 4,601,000 5,557,000  
Related Allowance with an allowance recorded 284,000 148,000  
Related Allowance Total 284,000 148,000  
Average Recorded Investment with no related allowance recorded 1,997,000 4,751,000  
Average Recorded Investment with related allowance recorded 3,473,000 1,664,000  
Average Recorded Investment Total 5,470,000 6,415,000  
Interest Income Recognized with no related allowance recorded 96,000 70,000  
Interest Income Recognized with related allowance recorded 102,000    
Interest Income Recognized Total 198,000 70,000  
Real estate - residential [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 343,000 1,711,000  
Recorded Investment with an allowance recorded 3,255,000 2,546,000  
Recorded Investment Total 3,598,000 4,257,000  
Unpaid Principal Balance with no related allowance recorded 354,000 1,739,000  
Unpaid Principal Balance with an allowance recorded 3,255,000 2,546,000  
Unpaid Principal Balance Total 3,609,000 4,285,000  
Related Allowance with an allowance recorded 459,000 355,000  
Related Allowance Total 459,000 355,000  
Average Recorded Investment with no related allowance recorded 1,336,000 2,069,000  
Average Recorded Investment with related allowance recorded 2,818,000 1,005,000  
Average Recorded Investment Total 4,154,000 3,074,000  
Interest Income Recognized with no related allowance recorded 28,000 106,000  
Interest Income Recognized with related allowance recorded 105,000 9,000  
Interest Income Recognized Total 133,000 115,000  
Equity lines of credit [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 490,000 1,345,000  
Recorded Investment with an allowance recorded 870,000 149,000  
Recorded Investment Total 1,360,000 1,494,000  
Unpaid Principal Balance with no related allowance recorded 490,000 1,345,000  
Unpaid Principal Balance with an allowance recorded 1,082,000 149,000  
Unpaid Principal Balance Total 1,572,000 1,494,000  
Related Allowance with an allowance recorded 180,000 101,000  
Related Allowance Total 180,000 101,000  
Average Recorded Investment with no related allowance recorded 613,000 1,285,000  
Average Recorded Investment with related allowance recorded 974,000 53,000  
Average Recorded Investment Total 1,587,000 1,338,000  
Interest Income Recognized with no related allowance recorded 22,000 22,000  
Interest Income Recognized with related allowance recorded 5,000 1,000  
Interest Income Recognized Total 27,000 23,000  
Auto [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 44,000 76,000  
Recorded Investment with an allowance recorded        
Recorded Investment Total 44,000 76,000  
Unpaid Principal Balance with no related allowance recorded 44,000 76,000  
Unpaid Principal Balance with an allowance recorded        
Unpaid Principal Balance Total 44,000 76,000  
Related Allowance with an allowance recorded        
Related Allowance Total       
Average Recorded Investment with no related allowance recorded 60,000 102,000  
Average Recorded Investment with related allowance recorded        
Average Recorded Investment Total 60,000 102,000  
Interest Income Recognized with no related allowance recorded 5,000 10,000  
Interest Income Recognized with related allowance recorded        
Interest Income Recognized Total 5,000 10,000  
Other [Member]
     
Information related to impaired loans at the dates indicated      
Recorded Investment with no related allowance recorded 2,000 49,000  
Recorded Investment with an allowance recorded 2,000 1,000  
Recorded Investment Total 4,000 50,000  
Unpaid Principal Balance with no related allowance recorded 2,000 49,000  
Unpaid Principal Balance with an allowance recorded 2,000 1,000  
Unpaid Principal Balance Total 4,000 50,000  
Related Allowance with an allowance recorded 2,000 1,000  
Related Allowance Total 2,000 1,000  
Average Recorded Investment with no related allowance recorded 45,000 91,000  
Average Recorded Investment with related allowance recorded    1,000  
Average Recorded Investment Total 45,000 92,000  
Interest Income Recognized with no related allowance recorded 6,000 2,000  
Interest Income Recognized with related allowance recorded       
Interest Income Recognized Total $ 6,000 $ 2,000  
XML 95 R92.htm IDEA: XBRL DOCUMENT v2.4.0.6
Parent Only Condensed Financial Statements (Details 2) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Cash flows from operating activities:      
Net Income $ 1,950,000 $ 941,000 $ 971,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Stock-based compensation expense 95,000 (29,000) 57,000
Net cash (used in) provided by operating activities 5,805,000 10,086,000 10,115,000
Cash flows from investing activities:      
Net cash used in investing activities (43,726,000) 13,830,000 43,538,000
Cash flows from financing activities:      
Payment of cash dividend on preferred stock     (150,000)
Net Cash Used in Financing Activities 19,520,000 (25,468,000) (48,518,000)
Increase (decrease) in cash and cash equivalents (18,401,000) (1,552,000) 5,135,000
Cash and cash equivalents at beginning of year 63,076,000 64,628,000 59,493,000
Cash and cash equivalents at end of year 44,675,000 63,076,000 64,628,000
Parent Company [Member]
     
Cash flows from operating activities:      
Net Income 1,950,000 941,000 971,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Undistributed income of subsidiary (2,289,000) (1,244,000) (1,292,000)
Stock-based compensation expense 5,000 2,000 10,000
Increase in other assets (248,000) (15,000) (619,000)
Increase in other liabilities 399,000 350,000 (4,000)
Net cash (used in) provided by operating activities (183,000) 34,000 (934,000)
Cash flows from investing activities:      
Investment in bank subsidiary     (2,000,000)
Net cash used in investing activities     (2,000,000)
Cash flows from financing activities:      
Payment of cash dividend on preferred stock     (150,000)
Net Cash Used in Financing Activities     (150,000)
Increase (decrease) in cash and cash equivalents (183,000) 34,000 (3,084,000)
Cash and cash equivalents at beginning of year 660,000 626,000 3,710,000
Cash and cash equivalents at end of year $ 477,000 $ 660,000 $ 626,000
XML 96 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
Securities Sold Under Agreements to Repurchase (Table)
12 Months Ended
Dec. 31, 2012
Securities Sold Under Agreements to Repurchase [Abstract]  
Securities sold under agreements to repurchase
         
    2012  

Average daily balance during the year

  $ 5,982,000  

Average interest rate during the year

    0.27

Maximum month-end balance during the year

  $ 8,041,000  

Weighted average interest rate at year-end

    0.25
   
    2011  

Average daily balance during the year

  $ 3,124,000  

Average interest rate during the year

    0.42

Maximum month-end balance during the year

  $ 8,300,000  

Weighted average interest rate at year-end

    0.41
XML 97 R51.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Details Textual) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Fair Value Measurement (Textual) [Abstract]    
Total losses of impairment charges $ 2,044,000 $ 1,417,000
XML 98 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Other Expenses
12 Months Ended
Dec. 31, 2012
Other Expenses [Abstract]  
OTHER EXPENSES

14. OTHER EXPENSES

Other expenses consisted of the following:

 

                         
    Year Ended December 31,  
    2012     2011     2010  

Outside service fees

  $ 1,503,000     $ 1,270,000     $ 1,212,000  

Professional fees

    875,000       730,000       587,000  

FDIC Insurance

    613,000       1,099,000       1,009,000  

Telephone and data communications

    308,000       331,000       338,000  

Business development

    268,000       262,000       250,000  

Director compensation and retirement

    255,000       229,000       233,000  

Advertising and promotion

    251,000       236,000       252,000  

Armored car and courier

    224,000       225,000       239,000  

Loan collection expenses

    219,000       261,000       261,000  

OREO expenses

    187,000       422,000       573,000  

Core deposit intangible amortization

    173,000       173,000       173,000  

Stationery and supplies

    124,000       140,000       145,000  

Insurance

    120,000       42,000       125,000  

Postage

    104,000       190,000       207,000  

Loss (gain) on sale of other real estate

    16,000       606,000       (43,000

Other operating expenses

    239,000       168,000       396,000  
   

 

 

   

 

 

   

 

 

 
    $ 5,479,000     $ 6,384,000     $ 5,957,000  
   

 

 

   

 

 

   

 

 

 
XML 99 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Parent Only Condensed Financial Statements
12 Months Ended
Dec. 31, 2012
Parent Only Condensed Financials Statements [Abstract]  
PARENT ONLY CONDENSED FINANCIAL STATEMENTS

19. PARENT ONLY CONDENSED FINANCIAL STATEMENTS

CONDENSED BALANCE SHEETS

December 31, 2012 and 2011

 

                 
    2012     2011  
ASSETS                

Cash and cash equivalents

  $ 477,000     $ 660,000  

Investment in bank subsidiary

    51,372,000       48,822,000  

Other assets

    1,334,000       1,086,000  
   

 

 

   

 

 

 

Total assets

  $ 53,183,000     $ 50,568,000  
   

 

 

   

 

 

 

LIABILITIES AND

SHAREHOLDERS’ EQUITY

               

Other liabilities

  $ 1,023,000     $ 624,000  

Junior subordinated deferrable interest debentures

    10,310,000       10,310,000  
   

 

 

   

 

 

 

Total liabilities

    11,333,000       10,934,000  
   

 

 

   

 

 

 

Shareholders’ equity:

               

Preferred stock

    11,855,000       11,769,000  

Common stock

    6,093,000       5,998,000  

Retained earnings

    23,573,000       21,709,000  

Accumulated other comprehensive income

    329,000       158,000  
   

 

 

   

 

 

 

Total shareholders’ equity

    41,850,000       39,634,000  
   

 

 

   

 

 

 

Total liabilities and shareholders’ equity

  $ 53,183,000     $ 50,568,000  
   

 

 

   

 

 

 

CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

For the Years Ended December 31, 2012, 2011 and 2010

 

                         
    2012     2011     2010  

Income:

                       

Earnings from investment in Plumas Statutory Trusts I and II

    10,000       10,000       9,000  

Expenses:

                       

Interest on junior subordinated deferrable interest debentures

    344,000       326,000       312,000  

Other expenses

    242,000       199,000       242,000  
   

 

 

   

 

 

   

 

 

 

Total expenses

    586,000       525,000       554,000  
   

 

 

   

 

 

   

 

 

 

Loss before equity in undistributed income of subsidiary

    (576,000     (515,000     (545,000

Equity in undistributed income of subsidiary

    2,289,000       1,244,000       1,292,000  
   

 

 

   

 

 

   

 

 

 

Income before income taxes

    1,713,000       729,000       747,000  

Income tax benefit

    237,000       212,000       224,000  
   

 

 

   

 

 

   

 

 

 

Net income

  $ 1,950,000     $ 941,000     $ 971,000  
   

 

 

   

 

 

   

 

 

 

Total comprehensive income

  $ 2,121,000     $ 1,151,000     $ 297,000  
   

 

 

   

 

 

   

 

 

 

 

CONDENSED STATEMENTS OF CASH FLOWS

For the Years Ended December 31, 2012, 2011 and 2010

 

                         
    2012     2011     2010  

Cash flows from operating activities:

                       

Net income

  $ 1,950,000     $ 941,000     $ 971,000  

Adjustments to reconcile net income to net cash provided by (used in) operating activities:

                       

Undistributed income of subsidiary

    (2,289,000     (1,244,000     (1,292,000

Stock-based compensation expense

    5,000       2,000       10,000  

Increase in other assets

    (248,000     (15,000     (619,000

Increase in other liabilities

    399,000       350,000       (4,000
   

 

 

   

 

 

   

 

 

 

Net cash (used in) provided by operating activities

    (183,000     34,000       (934,000
   

 

 

   

 

 

   

 

 

 

Cash flows from investing activities:

                       

Investment in bank subsidiary

                    (2,000,000
   

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

    —         —         (2,000,000
   

 

 

   

 

 

   

 

 

 

Cash flows from financing activities:

                       

Payment of cash dividends on preferred stock

                    (150,000
   

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

    —         —         (150,000
   

 

 

   

 

 

   

 

 

 

Increase (decrease) in cash and cash equivalents

    (183,000     34,000       (3,084,000

Cash and cash equivalents at beginning of year

    660,000       626,000       3,710,000  
   

 

 

   

 

 

   

 

 

 

Cash and cash equivalents at end of year

  $ 477,000     $ 660,000     $ 626,000  
   

 

 

   

 

 

   

 

 

 

 

XML 100 R49.htm IDEA: XBRL DOCUMENT v2.4.0.6
Fair Value Measurements (Details 2) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value $ 20,614,000 $ 22,188,000
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 20,614,000 22,188,000
Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (2,951,000) (1,996,000)
Commercial [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 3,066,000 2,942,000
Commercial [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Commercial [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Commercial [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 3,066,000 2,942,000
Commercial [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (346,000) (315,000)
Agricultural [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 646,000 245,000
Agricultural [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Agricultural [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Agricultural [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 646,000 245,000
Agricultural [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (1,000) (250,000)
Real estate - residential [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 2,954,000 2,558,000
Real estate - residential [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - residential [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - residential [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 2,954,000 2,558,000
Real estate - residential [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (308,000) (297,000)
Real estate - commercial [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 4,128,000 3,701,000
Real estate - commercial [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - commercial [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - commercial [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 4,128,000 3,701,000
Real estate - commercial [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (283,000) (52,000)
Real estate - construction and land development [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 3,835,000 4,070,000
Real estate - construction and land development [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - construction and land development [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Real estate - construction and land development [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 3,835,000 4,070,000
Real estate - construction and land development [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (712,000) (402,000)
Equity lines of credit [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 690,000 49,000
Equity lines of credit [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Equity lines of credit [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Equity lines of credit [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 690,000 49,000
Equity lines of credit [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (392,000) (100,000)
Auto [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Auto [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Auto [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Auto [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Auto [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (2,000) (1,000)
Total impaired loans [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 15,319,000 13,565,000
Total impaired loans [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Total impaired loans [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Total impaired loans [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 15,319,000 13,565,000
Total impaired loans [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (2,044,000) (1,417,000)
Other Real estate - residential [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 818,000 644,000
Other Real estate - residential [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - residential [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - residential [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 818,000 644,000
Other Real estate - residential [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (85,000) (85,000)
Other Real estate - commercial [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 1,953,000 5,021,000
Other Real estate - commercial [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - commercial [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - commercial [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 1,953,000 5,021,000
Other Real estate - commercial [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (287,000) (54,000)
Other Real estate - construction and land development [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 2,407,000 2,958,000
Other Real estate - construction and land development [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - construction and land development [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Other Real estate - construction and land development [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 2,407,000 2,958,000
Other Real estate - construction and land development [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value (535,000) (440,000)
Other Real estate - Equity lines of credit [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 117,000  
Other Real estate - Equity lines of credit [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 117,000  
Other Real estate - Equity lines of credit [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value     
Total other real estate [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 5,295,000 8,623,000
Total other real estate [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Total other real estate [Member] | Significant Other Observable Inputs (Level 2) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value      
Total other real estate [Member] | Significant Unobservable Inputs (Level 3) [Member] | Non-recurring Basis [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value 5,295,000 8,623,000
Total other real estate [Member] | Total Gains (Losses) [Member]
   
Assets and liabilities measured at fair value on a non-recurring basis    
Total Fair Value $ (907,000) $ (579,000)
XML 101 R41.htm IDEA: XBRL DOCUMENT v2.4.0.6
Parent Only Condensed Financial Statements (Tables)
12 Months Ended
Dec. 31, 2012
Parent Only Condensed Financials Statements [Abstract]  
CONDENSED BALANCE SHEET

CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

For the Years Ended December 31, 2012, 2011 and 2010

 

                         
    2012     2011     2010  

Income:

                       

Earnings from investment in Plumas Statutory Trusts I and II

    10,000       10,000       9,000  

Expenses:

                       

Interest on junior subordinated deferrable interest debentures

    344,000       326,000       312,000  

Other expenses

    242,000       199,000       242,000  
   

 

 

   

 

 

   

 

 

 

Total expenses

    586,000       525,000       554,000  
   

 

 

   

 

 

   

 

 

 

Loss before equity in undistributed income of subsidiary

    (576,000     (515,000     (545,000

Equity in undistributed income of subsidiary

    2,289,000       1,244,000       1,292,000  
   

 

 

   

 

 

   

 

 

 

Income before income taxes

    1,713,000       729,000       747,000  

Income tax benefit

    237,000       212,000       224,000  
   

 

 

   

 

 

   

 

 

 

Net income

  $ 1,950,000     $ 941,000     $ 971,000  
   

 

 

   

 

 

   

 

 

 

Total comprehensive income

  $ 2,121,000     $ 1,151,000     $ 297,000  
   

 

 

   

 

 

   

 

 

 
CONDENSED STATEMENT OF OPERATIONS

CONDENSED BALANCE SHEETS

December 31, 2012 and 2011

 

                 
    2012     2011  
ASSETS                

Cash and cash equivalents

  $ 477,000     $ 660,000  

Investment in bank subsidiary

    51,372,000       48,822,000  

Other assets

    1,334,000       1,086,000  
   

 

 

   

 

 

 

Total assets

  $ 53,183,000     $ 50,568,000  
   

 

 

   

 

 

 

LIABILITIES AND

SHAREHOLDERS’ EQUITY

               

Other liabilities

  $ 1,023,000     $ 624,000  

Junior subordinated deferrable interest debentures

    10,310,000       10,310,000  
   

 

 

   

 

 

 

Total liabilities

    11,333,000       10,934,000  
   

 

 

   

 

 

 

Shareholders’ equity:

               

Preferred stock

    11,855,000       11,769,000  

Common stock

    6,093,000       5,998,000  

Retained earnings

    23,573,000       21,709,000  

Accumulated other comprehensive income

    329,000       158,000  
   

 

 

   

 

 

 

Total shareholders’ equity

    41,850,000       39,634,000  
   

 

 

   

 

 

 

Total liabilities and shareholders’ equity

  $ 53,183,000     $ 50,568,000  
   

 

 

   

 

 

 
CONDENSED STATEMENT OF CASH FLOWS

CONDENSED STATEMENTS OF CASH FLOWS

For the Years Ended December 31, 2012, 2011 and 2010

 

                         
    2012     2011     2010  

Cash flows from operating activities:

                       

Net income

  $ 1,950,000     $ 941,000     $ 971,000  

Adjustments to reconcile net income to net cash provided by (used in) operating activities:

                       

Undistributed income of subsidiary

    (2,289,000     (1,244,000     (1,292,000

Stock-based compensation expense

    5,000       2,000       10,000  

Increase in other assets

    (248,000     (15,000     (619,000

Increase in other liabilities

    399,000       350,000       (4,000
   

 

 

   

 

 

   

 

 

 

Net cash (used in) provided by operating activities

    (183,000     34,000       (934,000
   

 

 

   

 

 

   

 

 

 

Cash flows from investing activities:

                       

Investment in bank subsidiary

                    (2,000,000
   

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

    —         —         (2,000,000
   

 

 

   

 

 

   

 

 

 

Cash flows from financing activities:

                       

Payment of cash dividends on preferred stock

                    (150,000
   

 

 

   

 

 

   

 

 

 

Net cash used in investing activities

    —         —         (150,000
   

 

 

   

 

 

   

 

 

 

Increase (decrease) in cash and cash equivalents

    (183,000     34,000       (3,084,000

Cash and cash equivalents at beginning of year

    660,000       626,000       3,710,000  
   

 

 

   

 

 

   

 

 

 

Cash and cash equivalents at end of year

  $ 477,000     $ 660,000     $ 626,000  
   

 

 

   

 

 

   

 

 

 
XML 102 R5.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Comprehensive Income (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Consolidated Statements of Comprehensive Income [Abstract]      
Net Income $ 1,950,000 $ 941,000 $ 971,000
Other comprehensive income (loss):      
Change in net unrealized gains 695,000 1,023,000 12,000
Less: reclassification adjustments for net gains included in net income (403,000) (666,000) (1,160,000)
Net unrealized holding gains (losses) 292,000 357,000 (1,148,000)
Income tax effect (121,000) (147,000) 474,000
Other comprehensive income (loss) 171,000 210,000 (674,000)
Total comprehensive income $ 2,121,000 $ 1,151,000 $ 297,000
XML 103 R88.htm IDEA: XBRL DOCUMENT v2.4.0.6
Intangible Assets (Details) (Core Deposit Intangibles [Member], USD $)
Dec. 31, 2012
Dec. 31, 2011
Core Deposit Intangibles [Member]
   
Gross carrying amount of intangible assets and accumulated amortization    
Gross Carrying Amount $ 1,709,000 $ 1,709,000
Accumulated Amortization $ 1,580,000 $ 1,407,000
XML 104 R10.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies
12 Months Ended
Dec. 31, 2012
Summary of Significant Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Consolidation and Basis of Presentation

The consolidated financial statements include the accounts of the Company and the consolidated accounts of its wholly-owned subsidiary, Plumas Bank. All significant intercompany balances and transactions have been eliminated.

Plumas Statutory Trust I and Trust II are not consolidated into the Company’s consolidated financial statements and, accordingly, are accounted for under the equity method. The Company's investment in Trust I of $290,000 and Trust II of $157,000 are included in accrued interest receivable and other assets on the consolidated balance sheet. The junior subordinated deferrable interest debentures issued and guaranteed by the Company and held by Trust I and Trust II are reflected as debt on the consolidated balance sheet.

The accounting and reporting policies of Plumas Bancorp and subsidiary conform with accounting principles generally accepted in the United States of America and prevailing practices within the banking industry.

Reclassifications

Certain reclassifications have been made to prior years’ balances to conform to the classifications used in 2012. These reclassifications had no impact on the Company’s consolidated financial position, results of operations or net change in cash and cash equivalents.

Segment Information

Management has determined that since all of the banking products and services offered by the Company are available in each branch of the Bank, all branches are located within the same economic environment and management does not allocate resources based on the performance of different lending or transaction activities, it is appropriate to aggregate the Bank branches and report them as a single operating segment. No customer accounts for more than 10 percent of revenues for the Company or the Bank.

Use of Estimates

To prepare financial statements in conformity with accounting principles generally accepted in the United States of America management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses, loan servicing rights, deferred tax assets, and fair values of financial instruments are particularly subject to change.

 

Cash and Cash Equivalents

For the purpose of the statement of cash flows, cash and due from banks and Federal funds sold are considered to be cash equivalents. Generally, Federal funds are sold for one day periods. As of December 31, 2012 all cash held with other federally insured institutions was fully insured by the FDIC. Net cash flows are reported for customer loans and deposit transactions and repurchase agreements.

Investment Securities

Investments are classified into one of the following categories:

 

   

Available-for-sale securities reported at fair value, with unrealized gains and losses excluded from earnings and reported, net of taxes, as accumulated other comprehensive income (loss) within shareholders' equity.

 

   

Held-to-maturity securities, which management has the positive intent and ability to hold, reported at amortized cost, adjusted for the accretion of discounts and amortization of premiums.

Management determines the appropriate classification of its investments at the time of purchase and may only change the classification in certain limited circumstances.

As of December 31, 2012 and 2011 the Company did not have any investment securities classified as trading and gains or losses on the sale of securities are computed on the specific identification method. Interest earned on investment securities is reported in interest income, net of applicable adjustments for accretion of discounts and amortization of premiums accounted for by the level yield method with no pre-payment anticipated.

An investment security is impaired when its carrying value is greater than its fair value. Investment securities that are impaired are evaluated on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether such a decline in their fair value is other than temporary. Management utilizes criteria such as the magnitude and duration of the decline and the intent and ability of the Company to retain its investment in the securities for a period of time sufficient to allow for an anticipated recovery in fair value, in addition to the reasons underlying the decline, to determine whether the loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not necessarily favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Once a decline in value is determined to be other than temporary, and management does not intend to sell the security or it is more likely than not that the Company will not be required to sell the security before recovery, only the portion of the impairment loss representing credit exposure is recognized as a charge to earnings, with the balance recognized as a charge to other comprehensive income. If management intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its forecasted cost, the entire impairment loss is recognized as a charge to earnings.

 

Investment in Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank (FHLB) System, the Bank is required to maintain an investment in the capital stock of the FHLB. The investment is carried at cost classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. At December 31, 2012 and 2011, FHLB stock totaled $1,950,000 and $2,043,000, respectively. On the consolidated balance sheet, FHLB stock is included in accrued interest receivable and other assets.

Loans Held for Sale, Loan Sales and Servicing

Included in the loan portfolio are loans which are 75% to 85% guaranteed by the Small Business Administration (SBA), US Department of Agriculture Rural Business Cooperative Service (RBS) and Farm Services Agency (FSA). The guaranteed portion of these loans may be sold to a third party, with the Bank retaining the unguaranteed portion. The Company can receive a premium in excess of the adjusted carrying value of the loan at the time of sale.

As of December 31, 2012 and 2011 the Company had $3,367,000 and $3,091,000, respectively in government guaranteed loans held for sale. Loans held for sale are recorded at the lower of cost or fair value and therefore may be reported at fair value on a non-recurring basis. The fair values for loans held for sale are based on either observable transactions of similar instruments or formally committed loan sale prices.

Government guaranteed loans with unpaid balances of $58,696,000 and $47,708,000 were being serviced for others at December 31, 2012 and 2011, respectively. The Company also services loans previously sold to the Federal National Mortgage Association (FNMA) totaling $1,641,000 and $1,932,000 as of December 31, 2012 and 2011, respectively.

The Company accounts for the transfer and servicing of financial assets based on the fair value of financial and servicing assets it controls and liabilities it has assumed, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished.

Servicing rights acquired through 1) a purchase or 2) the origination of loans which are sold or securitized with servicing rights retained are recognized as separate assets or liabilities. Servicing assets or liabilities are recorded at fair value and are subsequently amortized in proportion to and over the period of the related net servicing income or expense. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with non-interest income on the statement of income. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

 

The Company’s investment in the loan is allocated between the retained portion of the loan, the servicing asset, the interest-only (IO) strip, and the sold portion of the loan based on their fair values on the date the loan is sold. The gain on the sold portion of the loan is recognized as income at the time of sale.

The carrying value of the retained portion of the loan is discounted based on the estimated value of a comparable non-guaranteed loan. The servicing asset is recognized and amortized over the estimated life of the related loan. Assets (accounted for as IO strips) are recorded at the fair value of the difference between note rates and rates paid to purchasers (the interest spread) and contractual servicing fees, if applicable. IO strips are carried at fair value with gains or losses recorded as a component of shareholders’ equity, similar to available-for-sale investment securities. Significant future prepayments of these loans will result in the recognition of additional amortization of related servicing assets and an adjustment to the carrying value of related IO strips.

Loans

Loans that management has the intent and ability to hold for foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of purchase premiums or discounts, deferred loan fees and costs, and an allowance for loan losses. Loans, if any, that are transferred from loans held for sale are carried at the lower of principal balance or market value at the date of transfer, adjusted for accretion of discounts. Interest is accrued daily based upon outstanding loan balances. However, when, in the opinion of management, loans are considered to be impaired and the future collectability of interest and principal is in serious doubt, loans are placed on nonaccrual status and the accrual of interest income is suspended. Any interest accrued but unpaid is charged against income. Payments received are applied to reduce principal to the extent necessary to ensure collection. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment unless well secured and in the process of collection. Subsequent payments on these loans, or payments received on nonaccrual loans for which the ultimate collectability of principal is not in doubt, are applied first to earned but unpaid interest and then to principal.

Loan origination fees, commitment fees, direct loan origination costs and purchased premiums and discounts on loans are deferred and recognized as an adjustment of yield, to be amortized to interest income over the contractual term of the loan. The unamortized balance of deferred fees and costs is reported as a component of net loans.

 

The Company may acquire loans through a business combination or a purchase for which differences may exist between the contractual cash flows and the cash flows expected to be collected due, at least in part, to credit quality. When the Company acquires such loans, the yield that may be accreted (accretable yield) is limited to the excess of the Company’s estimate of undiscounted cash flows expected to be collected over the Company's initial investment in the loan. The excess of contractual cash flows over cash flows expected to be collected may not be recognized as an adjustment to yield, loss, or a valuation allowance. Subsequent increases in cash flows expected to be collected generally should be recognized prospectively through adjustment of the loan's yield over its remaining life. Decreases in cash flows expected to be collected should be recognized as an impairment.

The Company may not “carry over” or create a valuation allowance in the initial accounting for loans acquired under these circumstances. At December 31, 2012 and 2011, there were no such loans being accounted for under this policy.

Allowance for Loan Losses

The allowance for loan losses is an estimate of credit losses inherent in the Company’s loan portfolio that have been incurred as of the balance-sheet date. The allowance is established through a provision for loan losses which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of two primary components, specific reserves related to impaired loans and general reserves for inherent losses related to loans that are not impaired but collectively evaluated for impairment.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Loans determined to be impaired are individually evaluated for impairment. When a loan is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, it may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. A loan is collateral dependent if the repayment of the loan is expected to be provided solely by the underlying collateral.

A restructuring of a debt constitutes a troubled debt restructuring (TDR) if the Company, for economic or legal reasons related to the debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. Restructured workout loans typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. Loans that are reported as TDRs are considered impaired and measured for impairment as described above.

 

The determination of the general reserve for loans that are not impaired is based on estimates made by management, to include, but not limited to, consideration of historical losses by portfolio segment from January 1, 2008 (the beginning of the latest business cycle as determined by management) to the most current balance sheet date, internal asset classifications, and qualitative factors to include economic trends in the Company’s service areas, industry experience and trends, geographic concentrations, estimated collateral values, the Company’s underwriting policies, the character of the loan portfolio, and probable losses inherent in the portfolio taken as a whole. During 2012, the Company modified its method of estimating the allowance for loan losses for non-impaired loans. This modification incorporated historical losses from the beginning of the latest business cycle. Previously we utilized historical loss experience based on a rolling eight quarters ending with the most recently completed calendar quarter. This modification had the effect of increasing the required allowance related to the expanded historical loss period by $250,000. The Company believes that, given the recent trend in historical losses, it was prudent to increase the period examined and that a full business cycle was the appropriate period.

The Company maintains a separate allowance for each portfolio segment (loan type). These portfolio segments include commercial, agricultural, real estate construction (including land and development loans), commercial real estate mortgage, residential mortgage, home equity loans, automobile loans and other loans primarily consisting of consumer installment loans and credit card receivables. The allowance for loan losses attributable to each portfolio segment, which includes both impaired loans and loans that are not impaired, is combined to determine the Company’s overall allowance, and is included as a component of loans on the consolidated balance sheet.

The Company assigns a risk rating to all loans, with the exception of automobile and other loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan.

 

The risk ratings can be grouped into five major categories, defined as follows:

Pass – A pass loan is a strong credit with no existing or known potential weaknesses deserving of management's close attention.

Watch – A Watch loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company’s credit position at some future date. Watch loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard – A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well defined weaknesses include a project's lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project's failure to fulfill economic expectations. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

Loss – Loans classified as loss are considered uncollectible and charged off immediately.

The general reserve component of the allowance for loan losses associated with loans collectively evaluated for impairment also consists of reserve factors that are based on management's assessment of the following for each portfolio segment: (1) historical losses and (2) other qualitative factors, including inherent credit risk. These reserve factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment described on the next page.

 

Commercial – Commercial loans generally possess a lower inherent risk of loss than real estate portfolio segments because these loans are generally underwritten to existing cash flows of operating businesses. Debt coverage is provided by business cash flows and economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans.

Agricultural – Loans secured by crop production and livestock are especially vulnerable to two risk factors that are largely outside the control of Company and borrowers: commodity prices and weather conditions.

Real estate – Residential and Home Equity Lines of Credit –The degree of risk in residential real estate lending depends primarily on the loan amount in relation to collateral value, the interest rate and the borrower's ability to repay in an orderly fashion. These loans generally possess a lower inherent risk of loss than other real estate portfolio segments. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Real estate – Commercial – Commercial real estate mortgage loans generally possess a higher inherent risk of loss than other real estate portfolio segments, except land and construction loans. Adverse economic developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability for properties to produce sufficient cash flow to service debt obligations.

Real estate – Construction and Land Development – Construction and land development loans generally possess a higher inherent risk of loss than other real estate portfolio segments. A major risk arises from the necessity to complete projects within specified cost and time lines. Trends in the construction industry significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate values significantly impact the credit quality of these loans, as property values determine the economic viability of construction projects.

Automobile – An automobile loan portfolio is usually comprised of a large number of smaller loans scheduled to be amortized over a specific period. Most automobile loans are made directly for consumer purchases, but business vehicles may also be included. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Other – Other loans primarily consist of consumer and credit card loans and are similar in nature to automobile loans.

 

Although management believes the allowance to be adequate, ultimate losses may vary from its estimates. At least quarterly, the Board of Directors and management review the adequacy of the allowance, including consideration of the relative risks in the portfolio, current economic conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews, the allowance is adjusted. In addition, the Company's primary regulators, the FDIC and DFI, as an integral part of their examination process, review the adequacy of the allowance. These regulatory agencies may require additions to the allowance based on their judgment about information available at the time of their examinations.

The Company also maintains a separate allowance for off-balance-sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for these commitments totaled $141,000 at December 31, 2012 and 2011, respectively and is included in accrued interest payable and other liabilities in the consolidated balance sheet.

Other Real Estate

Other real estate owned relates to real estate acquired in full or partial settlement of loan obligations, which was $5,295,000 ($8,517,000 less a valuation allowance of $3,222,000) at December 31, 2012 and $8,623,000 ($11,668,000 less a valuation allowance of $3,045,000) at December 31, 2011. Proceeds from sales of other real estate owned totaled $3,714,000, $4,937,000 and $3,462,000 for the years ended December 31, 2012, 2011 and 2010, respectively. For the year ended December 31, 2012 the Company recorded a loss on sale of other real estate owned of $16,000. This compares to a loss on sale of other real estate owned of $606,000 in 2011 and a gain on sale of $43,000 during 2010. Other real estate owned is initially recorded at fair value less cost to sell when acquired, any excess of the Bank's recorded investment in the loan balance and accrued interest income over the estimated fair value of the property less costs to sell is charged against the allowance for loan losses. A valuation allowance for losses on other real estate is maintained to provide for temporary declines in value. The allowance is established through a provision for losses on other real estate which is included in other expenses. Subsequent gains or losses on sales or write-downs resulting from permanent impairment are recorded in other income or expenses as incurred.

 

The following table provides a summary of the change in the OREO balance for the years ended December 31, 2012 and 2011:

 

                 
    Year Ended December 31,  
    2012     2011  

Beginning balance

  $ 8,623,000     $ 8,867,000  

Additions

    1,309,000       5,825,000  

Dispositions

    (3,730,000     (5,490,000

Write-downs

    (907,000     (579,000
   

 

 

   

 

 

 

Ending balance

  $ 5,295,000     $ 8,623,000  
   

 

 

   

 

 

 

Intangible Assets

Intangible assets consist of core deposit intangibles related to branch acquisitions and are amortized using the straight-line method over ten years. The Company evaluates the recoverability and remaining useful life annually to determine whether events or circumstances warrant a revision to the intangible asset or the remaining period of amortization. There were no such events or circumstances in 2012 or 2011.

Premises and Equipment

Premises and equipment are carried at cost. Depreciation is determined using the straight-line method over the estimated useful lives of the related assets. The useful lives of premises are estimated to be twenty to thirty years. The useful lives of furniture, fixtures and equipment are estimated to be two to ten years. Leasehold improvements are amortized over the life of the asset or the life of the related lease, whichever is shorter. When assets are sold or otherwise disposed of, the cost and related accumulated depreciation or amortization are removed from the accounts, and any resulting gain or loss is recognized in income for the period. The cost of maintenance and repairs is charged to expense as incurred. The Company evaluates premises and equipment for financial impairment as events or changes in circumstances indicate that the carrying amount of such assets may not be fully recoverable.

Bank Owned Life Insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Income Taxes

The Company files its income taxes on a consolidated basis with its subsidiary. Income tax expense is the total of current year income tax due or refundable and the change in deferred tax assets and liabilities.

 

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. A valuation allowance is recognized if, based on the weight of available evidence management believes it is more likely than not that some portion or all of the deferred tax assets will not be realized. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets.

Accounting for Uncertainty in Income Taxes

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated income statement. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the years ended December 31, 2012 and 2011.

Earnings Per Share

Basic earnings per share (EPS), which excludes dilution, is computed by dividing income available to common stockholders (net income less preferred dividends) by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted EPS.

Comprehensive Income

Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available for sale which are also recognized as separate components of equity.

 

Dividend Restrictions

Banking regulations require maintaining certain capital levels and may limit the dividend paid by the bank to the holding company or by the holding company to shareholders. In addition, the Bank and the Bancorp cannot currently pay dividends without the prior approval of their primary regulators.

Fair Value of Financial Instruments

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Stock-Based Compensation

Compensation expense related to the Company’s Stock Option Plan, net of related tax (expense)/benefit, recorded in 2012, 2011 and 2010 totaled $93,000, $(38,000) and $53,000 or $0.02, $(0.01) and $0.01 per diluted share, respectively. Compensation expense is recognized over the vesting period on a straight line accounting basis.

The Company determines the fair value of options on the date of grant using a Black-Scholes-Merton option pricing model that uses assumptions based on expected option life, expected stock volatility and the risk-free interest rate. The expected volatility assumptions used by the Company are based on the historical volatility of the Company’s common stock over the most recent period commensurate with the estimated expected life of the Company’s stock options. The Company bases its expected life assumption on its historical experience and on the terms and conditions of the stock options it grants to employees. The risk-free rate is based on the U.S. Treasury yield curve for the periods within the contractual life of the options in effect at the time of the grant. The Company also makes assumptions regarding estimated forfeitures that will impact the total compensation expenses recognized under the Plans.

The fair value of each option is estimated on the date of grant using the following assumptions.

 

         
    2011  

Expected life of stock options

    5.3 years  

Risk free interest rate

    2.26

Volatility

    46.1

Dividend yields

    3.05 %

Weighted-average fair value of options granted during the year

  $ 0.99  

No options were granted during the years ended December 31, 2012 and 2010.

 

Adoption of New Accounting Standards

In May, 2011, the FASB issued an amendment to achieve common fair value measurement and disclosure requirements between U.S. and International accounting principles. Overall, the guidance is consistent with existing U.S. accounting principles; however, there are some amendments that change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. The amendments in this guidance are effective for interim and annual reporting periods beginning after December 15, 2011. The effect of adopting this standard did not have a material effect on the Company’s operating results or financial condition, but the additional disclosures are included in Note 4.

In June 2011, the FASB amended existing guidance and eliminated the option to present the components of other comprehensive income as part of the statement of changes in shareholders’ equity. The amendment requires that comprehensive income be presented in either a single continuous statement or in two separate consecutive statements. The amendments in this guidance are effective as of the beginning of a fiscal reporting year, and interim periods within that year, that begins after December 15, 2011. Early adoption is permitted. The implementation of the amended accounting guidance changed the presentation of the components of comprehensive income for the Company from a component of the consolidated statement of changes in shareholders’ equity to a separate statement following the consolidated statement of income.

XML 105 R58.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loans and the Allowance for Loan Losses (Details 2) (USD $)
12 Months Ended
Dec. 31, 2012
Contract
Dec. 31, 2011
Contract
Troubled Debt Restructurings:    
Number of Loans 11 31
Pre-Modification Outstanding Recorded Investment $ 3,640,000 $ 7,068,000
Post-Modification Recorded Investment 3,615,000 7,068,000
Commercial [Member]
   
Troubled Debt Restructurings:    
Number of Loans 1 2
Pre-Modification Outstanding Recorded Investment 24,000 129,000
Post-Modification Recorded Investment 24,000 129,000
Agricultural [Member]
   
Troubled Debt Restructurings:    
Number of Loans   4
Pre-Modification Outstanding Recorded Investment   996,000
Post-Modification Recorded Investment   996,000
Construction and development[Member]
   
Troubled Debt Restructurings:    
Number of Loans   5
Pre-Modification Outstanding Recorded Investment   4,977,000
Post-Modification Recorded Investment   4,977,000
Equity lines of credit [Member]
   
Troubled Debt Restructurings:    
Number of Loans   1
Pre-Modification Outstanding Recorded Investment   787,000
Post-Modification Recorded Investment   787,000
Real estate - residential [Member]
   
Troubled Debt Restructurings:    
Number of Loans 2  
Pre-Modification Outstanding Recorded Investment 819,000  
Post-Modification Recorded Investment 800,000  
Real estate - commercial [Member]
   
Troubled Debt Restructurings:    
Number of Loans 3  
Pre-Modification Outstanding Recorded Investment 2,497,000  
Post-Modification Recorded Investment 2,491,000  
Real estate - construction [Member]
   
Troubled Debt Restructurings:    
Number of Loans 3  
Pre-Modification Outstanding Recorded Investment 289,000  
Post-Modification Recorded Investment 289,000  
Real Estate - Dealer [Member]
   
Troubled Debt Restructurings:    
Number of Loans 2 19
Pre-Modification Outstanding Recorded Investment 11,000 179,000
Post-Modification Recorded Investment $ 11,000 $ 179,000
XML 106 R82.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Provision for income taxes      
Current, federal $ 25,000 $ 34,000   
Deferred, federal 812,000 228,000 277,000
Deferred total 1,042,000 259,000 385,000
Provision for income taxes, federal 837,000 262,000 277,000
Current, state 3,000 2,000 4,000
Deferred, state 230,000 31,000 108,000
Provision for income tax, state 233,000 33,000 112,000
Current, total 28,000 36,000 4,000
Provision for income taxes $ 1,070,000 $ 295,000 $ 389,000
XML 107 R69.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposit (Details Textual) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Deposits (Textual) [Abstract]    
Time deposits denomination $ 100,000  
Contractual maturities of time deposits with a denomination of $100,000 in 3 months or less 10,797,000  
Contractual maturities of time deposits with a denomination of $100,000 over 3 months through 6 months 4,305,000  
Contractual maturities of time deposits with a denomination of $100,000 over 6 months through 12 months 6,398,000  
Contractual maturities of time deposits with a denomination of $100,000 over 12 months. 6,386,000  
Deposit overdrafts reclassified as loan $ 392,000 $ 331,000
XML 108 R27.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies (Policies)
12 Months Ended
Dec. 31, 2012
Summary of Significant Accounting Policies [Abstract]  
Consolidation and Basis of Presentation

Consolidation and Basis of Presentation

The consolidated financial statements include the accounts of the Company and the consolidated accounts of its wholly-owned subsidiary, Plumas Bank. All significant intercompany balances and transactions have been eliminated.

Plumas Statutory Trust I and Trust II are not consolidated into the Company’s consolidated financial statements and, accordingly, are accounted for under the equity method. The Company's investment in Trust I of $290,000 and Trust II of $157,000 are included in accrued interest receivable and other assets on the consolidated balance sheet. The junior subordinated deferrable interest debentures issued and guaranteed by the Company and held by Trust I and Trust II are reflected as debt on the consolidated balance sheet.

The accounting and reporting policies of Plumas Bancorp and subsidiary conform with accounting principles generally accepted in the United States of America and prevailing practices within the banking industry.

Reclassifications

Reclassifications

Certain reclassifications have been made to prior years’ balances to conform to the classifications used in 2012. These reclassifications had no impact on the Company’s consolidated financial position, results of operations or net change in cash and cash equivalents.

Segment Information

Segment Information

Management has determined that since all of the banking products and services offered by the Company are available in each branch of the Bank, all branches are located within the same economic environment and management does not allocate resources based on the performance of different lending or transaction activities, it is appropriate to aggregate the Bank branches and report them as a single operating segment. No customer accounts for more than 10 percent of revenues for the Company or the Bank.

Use of Estimates

Use of Estimates

To prepare financial statements in conformity with accounting principles generally accepted in the United States of America management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses, loan servicing rights, deferred tax assets, and fair values of financial instruments are particularly subject to change.

Cash and Cash Equivalents

Cash and Cash Equivalents

For the purpose of the statement of cash flows, cash and due from banks and Federal funds sold are considered to be cash equivalents. Generally, Federal funds are sold for one day periods. As of December 31, 2012 all cash held with other federally insured institutions was fully insured by the FDIC. Net cash flows are reported for customer loans and deposit transactions and repurchase agreements.

Investment Securities

Investment Securities

Investments are classified into one of the following categories:

 

   

Available-for-sale securities reported at fair value, with unrealized gains and losses excluded from earnings and reported, net of taxes, as accumulated other comprehensive income (loss) within shareholders' equity.

 

   

Held-to-maturity securities, which management has the positive intent and ability to hold, reported at amortized cost, adjusted for the accretion of discounts and amortization of premiums.

Management determines the appropriate classification of its investments at the time of purchase and may only change the classification in certain limited circumstances.

As of December 31, 2012 and 2011 the Company did not have any investment securities classified as trading and gains or losses on the sale of securities are computed on the specific identification method. Interest earned on investment securities is reported in interest income, net of applicable adjustments for accretion of discounts and amortization of premiums accounted for by the level yield method with no pre-payment anticipated.

An investment security is impaired when its carrying value is greater than its fair value. Investment securities that are impaired are evaluated on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether such a decline in their fair value is other than temporary. Management utilizes criteria such as the magnitude and duration of the decline and the intent and ability of the Company to retain its investment in the securities for a period of time sufficient to allow for an anticipated recovery in fair value, in addition to the reasons underlying the decline, to determine whether the loss in value is other than temporary. The term "other than temporary" is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value is not necessarily favorable, or that there is a lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Once a decline in value is determined to be other than temporary, and management does not intend to sell the security or it is more likely than not that the Company will not be required to sell the security before recovery, only the portion of the impairment loss representing credit exposure is recognized as a charge to earnings, with the balance recognized as a charge to other comprehensive income. If management intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovering its forecasted cost, the entire impairment loss is recognized as a charge to earnings.

Investment in Federal Home Loan Bank Stock

Investment in Federal Home Loan Bank Stock

As a member of the Federal Home Loan Bank (FHLB) System, the Bank is required to maintain an investment in the capital stock of the FHLB. The investment is carried at cost classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. At December 31, 2012 and 2011, FHLB stock totaled $1,950,000 and $2,043,000, respectively. On the consolidated balance sheet, FHLB stock is included in accrued interest receivable and other assets.

Loans Held for Sale, Loan Sales and Servicing

Loans Held for Sale, Loan Sales and Servicing

Included in the loan portfolio are loans which are 75% to 85% guaranteed by the Small Business Administration (SBA), US Department of Agriculture Rural Business Cooperative Service (RBS) and Farm Services Agency (FSA). The guaranteed portion of these loans may be sold to a third party, with the Bank retaining the unguaranteed portion. The Company can receive a premium in excess of the adjusted carrying value of the loan at the time of sale.

As of December 31, 2012 and 2011 the Company had $3,367,000 and $3,091,000, respectively in government guaranteed loans held for sale. Loans held for sale are recorded at the lower of cost or fair value and therefore may be reported at fair value on a non-recurring basis. The fair values for loans held for sale are based on either observable transactions of similar instruments or formally committed loan sale prices.

Government guaranteed loans with unpaid balances of $58,696,000 and $47,708,000 were being serviced for others at December 31, 2012 and 2011, respectively. The Company also services loans previously sold to the Federal National Mortgage Association (FNMA) totaling $1,641,000 and $1,932,000 as of December 31, 2012 and 2011, respectively.

The Company accounts for the transfer and servicing of financial assets based on the fair value of financial and servicing assets it controls and liabilities it has assumed, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished.

Servicing rights acquired through 1) a purchase or 2) the origination of loans which are sold or securitized with servicing rights retained are recognized as separate assets or liabilities. Servicing assets or liabilities are recorded at fair value and are subsequently amortized in proportion to and over the period of the related net servicing income or expense. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with non-interest income on the statement of income. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

 

The Company’s investment in the loan is allocated between the retained portion of the loan, the servicing asset, the interest-only (IO) strip, and the sold portion of the loan based on their fair values on the date the loan is sold. The gain on the sold portion of the loan is recognized as income at the time of sale.

The carrying value of the retained portion of the loan is discounted based on the estimated value of a comparable non-guaranteed loan. The servicing asset is recognized and amortized over the estimated life of the related loan. Assets (accounted for as IO strips) are recorded at the fair value of the difference between note rates and rates paid to purchasers (the interest spread) and contractual servicing fees, if applicable. IO strips are carried at fair value with gains or losses recorded as a component of shareholders’ equity, similar to available-for-sale investment securities. Significant future prepayments of these loans will result in the recognition of additional amortization of related servicing assets and an adjustment to the carrying value of related IO strips.

Loans

Loans

Loans that management has the intent and ability to hold for foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of purchase premiums or discounts, deferred loan fees and costs, and an allowance for loan losses. Loans, if any, that are transferred from loans held for sale are carried at the lower of principal balance or market value at the date of transfer, adjusted for accretion of discounts. Interest is accrued daily based upon outstanding loan balances. However, when, in the opinion of management, loans are considered to be impaired and the future collectability of interest and principal is in serious doubt, loans are placed on nonaccrual status and the accrual of interest income is suspended. Any interest accrued but unpaid is charged against income. Payments received are applied to reduce principal to the extent necessary to ensure collection. A loan is moved to non-accrual status in accordance with the Company’s policy, typically after 90 days of non-payment unless well secured and in the process of collection. Subsequent payments on these loans, or payments received on nonaccrual loans for which the ultimate collectability of principal is not in doubt, are applied first to earned but unpaid interest and then to principal.

Loan origination fees, commitment fees, direct loan origination costs and purchased premiums and discounts on loans are deferred and recognized as an adjustment of yield, to be amortized to interest income over the contractual term of the loan. The unamortized balance of deferred fees and costs is reported as a component of net loans.

 

The Company may acquire loans through a business combination or a purchase for which differences may exist between the contractual cash flows and the cash flows expected to be collected due, at least in part, to credit quality. When the Company acquires such loans, the yield that may be accreted (accretable yield) is limited to the excess of the Company’s estimate of undiscounted cash flows expected to be collected over the Company's initial investment in the loan. The excess of contractual cash flows over cash flows expected to be collected may not be recognized as an adjustment to yield, loss, or a valuation allowance. Subsequent increases in cash flows expected to be collected generally should be recognized prospectively through adjustment of the loan's yield over its remaining life. Decreases in cash flows expected to be collected should be recognized as an impairment.

The Company may not “carry over” or create a valuation allowance in the initial accounting for loans acquired under these circumstances. At December 31, 2012 and 2011, there were no such loans being accounted for under this policy.

Allowance for Loan Losses

Allowance for Loan Losses

The allowance for loan losses is an estimate of credit losses inherent in the Company’s loan portfolio that have been incurred as of the balance-sheet date. The allowance is established through a provision for loan losses which is charged to expense. Additions to the allowance are expected to maintain the adequacy of the total allowance after credit losses and loan growth. Credit exposures determined to be uncollectible are charged against the allowance. Cash received on previously charged off amounts is recorded as a recovery to the allowance. The overall allowance consists of two primary components, specific reserves related to impaired loans and general reserves for inherent losses related to loans that are not impaired but collectively evaluated for impairment.

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the original agreement. Loans determined to be impaired are individually evaluated for impairment. When a loan is impaired, the Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that as a practical expedient, it may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is collateral dependent. A loan is collateral dependent if the repayment of the loan is expected to be provided solely by the underlying collateral.

A restructuring of a debt constitutes a troubled debt restructuring (TDR) if the Company, for economic or legal reasons related to the debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. Restructured workout loans typically present an elevated level of credit risk as the borrowers are not able to perform according to the original contractual terms. Loans that are reported as TDRs are considered impaired and measured for impairment as described above.

 

The determination of the general reserve for loans that are not impaired is based on estimates made by management, to include, but not limited to, consideration of historical losses by portfolio segment from January 1, 2008 (the beginning of the latest business cycle as determined by management) to the most current balance sheet date, internal asset classifications, and qualitative factors to include economic trends in the Company’s service areas, industry experience and trends, geographic concentrations, estimated collateral values, the Company’s underwriting policies, the character of the loan portfolio, and probable losses inherent in the portfolio taken as a whole. During 2012, the Company modified its method of estimating the allowance for loan losses for non-impaired loans. This modification incorporated historical losses from the beginning of the latest business cycle. Previously we utilized historical loss experience based on a rolling eight quarters ending with the most recently completed calendar quarter. This modification had the effect of increasing the required allowance related to the expanded historical loss period by $250,000. The Company believes that, given the recent trend in historical losses, it was prudent to increase the period examined and that a full business cycle was the appropriate period.

The Company maintains a separate allowance for each portfolio segment (loan type). These portfolio segments include commercial, agricultural, real estate construction (including land and development loans), commercial real estate mortgage, residential mortgage, home equity loans, automobile loans and other loans primarily consisting of consumer installment loans and credit card receivables. The allowance for loan losses attributable to each portfolio segment, which includes both impaired loans and loans that are not impaired, is combined to determine the Company’s overall allowance, and is included as a component of loans on the consolidated balance sheet.

The Company assigns a risk rating to all loans, with the exception of automobile and other loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan.

 

The risk ratings can be grouped into five major categories, defined as follows:

Pass – A pass loan is a strong credit with no existing or known potential weaknesses deserving of management's close attention.

Watch – A Watch loan has potential weaknesses that deserve management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company’s credit position at some future date. Watch loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard – A substandard loan is not adequately protected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Well defined weaknesses include a project's lack of marketability, inadequate cash flow or collateral support, failure to complete construction on time or the project's failure to fulfill economic expectations. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.

Loss – Loans classified as loss are considered uncollectible and charged off immediately.

The general reserve component of the allowance for loan losses associated with loans collectively evaluated for impairment also consists of reserve factors that are based on management's assessment of the following for each portfolio segment: (1) historical losses and (2) other qualitative factors, including inherent credit risk. These reserve factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment described on the next page.

 

Commercial – Commercial loans generally possess a lower inherent risk of loss than real estate portfolio segments because these loans are generally underwritten to existing cash flows of operating businesses. Debt coverage is provided by business cash flows and economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans.

Agricultural – Loans secured by crop production and livestock are especially vulnerable to two risk factors that are largely outside the control of Company and borrowers: commodity prices and weather conditions.

Real estate – Residential and Home Equity Lines of Credit –The degree of risk in residential real estate lending depends primarily on the loan amount in relation to collateral value, the interest rate and the borrower's ability to repay in an orderly fashion. These loans generally possess a lower inherent risk of loss than other real estate portfolio segments. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Real estate – Commercial – Commercial real estate mortgage loans generally possess a higher inherent risk of loss than other real estate portfolio segments, except land and construction loans. Adverse economic developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability for properties to produce sufficient cash flow to service debt obligations.

Real estate – Construction and Land Development – Construction and land development loans generally possess a higher inherent risk of loss than other real estate portfolio segments. A major risk arises from the necessity to complete projects within specified cost and time lines. Trends in the construction industry significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate values significantly impact the credit quality of these loans, as property values determine the economic viability of construction projects.

Automobile – An automobile loan portfolio is usually comprised of a large number of smaller loans scheduled to be amortized over a specific period. Most automobile loans are made directly for consumer purchases, but business vehicles may also be included. Economic trends determined by unemployment rates and other key economic indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay their obligations may be deteriorating.

Other – Other loans primarily consist of consumer and credit card loans and are similar in nature to automobile loans.

 

Although management believes the allowance to be adequate, ultimate losses may vary from its estimates. At least quarterly, the Board of Directors and management review the adequacy of the allowance, including consideration of the relative risks in the portfolio, current economic conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews, the allowance is adjusted. In addition, the Company's primary regulators, the FDIC and DFI, as an integral part of their examination process, review the adequacy of the allowance. These regulatory agencies may require additions to the allowance based on their judgment about information available at the time of their examinations.

The Company also maintains a separate allowance for off-balance-sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for these commitments totaled $141,000 at December 31, 2012 and 2011, respectively and is included in accrued interest payable and other liabilities in the consolidated balance sheet.

Other Real Estate

Other Real Estate

Other real estate owned relates to real estate acquired in full or partial settlement of loan obligations, which was $5,295,000 ($8,517,000 less a valuation allowance of $3,222,000) at December 31, 2012 and $8,623,000 ($11,668,000 less a valuation allowance of $3,045,000) at December 31, 2011. Proceeds from sales of other real estate owned totaled $3,714,000, $4,937,000 and $3,462,000 for the years ended December 31, 2012, 2011 and 2010, respectively. For the year ended December 31, 2012 the Company recorded a loss on sale of other real estate owned of $16,000. This compares to a loss on sale of other real estate owned of $606,000 in 2011 and a gain on sale of $43,000 during 2010. Other real estate owned is initially recorded at fair value less cost to sell when acquired, any excess of the Bank's recorded investment in the loan balance and accrued interest income over the estimated fair value of the property less costs to sell is charged against the allowance for loan losses. A valuation allowance for losses on other real estate is maintained to provide for temporary declines in value. The allowance is established through a provision for losses on other real estate which is included in other expenses. Subsequent gains or losses on sales or write-downs resulting from permanent impairment are recorded in other income or expenses as incurred.

 

The following table provides a summary of the change in the OREO balance for the years ended December 31, 2012 and 2011:

 

                 
    Year Ended December 31,  
    2012     2011  

Beginning balance

  $ 8,623,000     $ 8,867,000  

Additions

    1,309,000       5,825,000  

Dispositions

    (3,730,000     (5,490,000

Write-downs

    (907,000     (579,000
   

 

 

   

 

 

 

Ending balance

  $ 5,295,000     $ 8,623,000  
   

 

 

   

 

 

 
Intangible Assets

Intangible Assets

Intangible assets consist of core deposit intangibles related to branch acquisitions and are amortized using the straight-line method over ten years. The Company evaluates the recoverability and remaining useful life annually to determine whether events or circumstances warrant a revision to the intangible asset or the remaining period of amortization. There were no such events or circumstances in 2012 or 2011.

Premises and Equipment

Premises and Equipment

Premises and equipment are carried at cost. Depreciation is determined using the straight-line method over the estimated useful lives of the related assets. The useful lives of premises are estimated to be twenty to thirty years. The useful lives of furniture, fixtures and equipment are estimated to be two to ten years. Leasehold improvements are amortized over the life of the asset or the life of the related lease, whichever is shorter. When assets are sold or otherwise disposed of, the cost and related accumulated depreciation or amortization are removed from the accounts, and any resulting gain or loss is recognized in income for the period. The cost of maintenance and repairs is charged to expense as incurred. The Company evaluates premises and equipment for financial impairment as events or changes in circumstances indicate that the carrying amount of such assets may not be fully recoverable.

Bank Owned Life Insurance

Bank Owned Life Insurance

The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Income Taxes

Income Taxes

The Company files its income taxes on a consolidated basis with its subsidiary. Income tax expense is the total of current year income tax due or refundable and the change in deferred tax assets and liabilities.

 

Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. A valuation allowance is recognized if, based on the weight of available evidence management believes it is more likely than not that some portion or all of the deferred tax assets will not be realized. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets.

Accounting for Uncertainty in Income Taxes

Accounting for Uncertainty in Income Taxes

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination.

Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated income statement. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the years ended December 31, 2012 and 2011.

Earnings Per Share

Earnings Per Share

Basic earnings per share (EPS), which excludes dilution, is computed by dividing income available to common stockholders (net income less preferred dividends) by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted EPS.

Comprehensive Income

Comprehensive Income

Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available for sale which are also recognized as separate components of equity.

Dividend Restrictions

Dividend Restrictions

Banking regulations require maintaining certain capital levels and may limit the dividend paid by the bank to the holding company or by the holding company to shareholders. In addition, the Bank and the Bancorp cannot currently pay dividends without the prior approval of their primary regulators.

Fair Value of Financial Instruments

Fair Value of Financial Instruments

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Stock-Based Compensation

Stock-Based Compensation

Compensation expense related to the Company’s Stock Option Plan, net of related tax (expense)/benefit, recorded in 2012, 2011 and 2010 totaled $93,000, $(38,000) and $53,000 or $0.02, $(0.01) and $0.01 per diluted share, respectively. Compensation expense is recognized over the vesting period on a straight line accounting basis.

The Company determines the fair value of options on the date of grant using a Black-Scholes-Merton option pricing model that uses assumptions based on expected option life, expected stock volatility and the risk-free interest rate. The expected volatility assumptions used by the Company are based on the historical volatility of the Company’s common stock over the most recent period commensurate with the estimated expected life of the Company’s stock options. The Company bases its expected life assumption on its historical experience and on the terms and conditions of the stock options it grants to employees. The risk-free rate is based on the U.S. Treasury yield curve for the periods within the contractual life of the options in effect at the time of the grant. The Company also makes assumptions regarding estimated forfeitures that will impact the total compensation expenses recognized under the Plans.

The fair value of each option is estimated on the date of grant using the following assumptions.

 

         
    2011  

Expected life of stock options

    5.3 years  

Risk free interest rate

    2.26

Volatility

    46.1

Dividend yields

    3.05 %

Weighted-average fair value of options granted during the year

  $ 0.99  

No options were granted during the years ended December 31, 2012 and 2010.

Adoption of New Accounting Standards

Adoption of New Accounting Standards

In May, 2011, the FASB issued an amendment to achieve common fair value measurement and disclosure requirements between U.S. and International accounting principles. Overall, the guidance is consistent with existing U.S. accounting principles; however, there are some amendments that change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. The amendments in this guidance are effective for interim and annual reporting periods beginning after December 15, 2011. The effect of adopting this standard did not have a material effect on the Company’s operating results or financial condition, but the additional disclosures are included in Note 4.

In June 2011, the FASB amended existing guidance and eliminated the option to present the components of other comprehensive income as part of the statement of changes in shareholders’ equity. The amendment requires that comprehensive income be presented in either a single continuous statement or in two separate consecutive statements. The amendments in this guidance are effective as of the beginning of a fiscal reporting year, and interim periods within that year, that begins after December 15, 2011. Early adoption is permitted. The implementation of the amended accounting guidance changed the presentation of the components of comprehensive income for the Company from a component of the consolidated statement of changes in shareholders’ equity to a separate statement following the consolidated statement of income.

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Commitments and Contingencies (Details) (USD $)
Dec. 31, 2012
Future minimum lease payments  
2013 $ 91,000
2014 60,000
2015 31,000
Total $ 182,000
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Income Tax (Tables)
12 Months Ended
Dec. 31, 2012
Income Taxes [Abstract]  
Provision for income taxes
                         
    Federal     State     Total  

2012

                       

Current

  $ 25,000     $ 3,000     $ 28,000  

Deferred

    812,000       230,000       1,042,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 837,000     $ 233,000     $ 1,070,000  
   

 

 

   

 

 

   

 

 

 

 

                         
    Federal     State     Total  

2011

                       

Current

  $ 34,000     $ 2,000     $ 36,000  

Deferred

    228,000       31,000       259,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 262,000     $ 33,000     $ 295,000  
   

 

 

   

 

 

   

 

 

 

 

 

                         
    Federal     State     Total  

2010

                       

Current

          $ 4,000     $ 4,000  

Deferred

  $ 277,000       108,000       385,000  
   

 

 

   

 

 

   

 

 

 

Provision for income taxes

  $ 277,000     $ 112,000     $ 389,000  
   

 

 

   

 

 

   

 

 

 
Deferred tax assets (liabilities)
                 
    December 31,  
    2012     2011  

Deferred tax assets:

               

Allowance for loan losses

  $ 327,000     $ 1,183,000  

Net operating loss carryovers

    2,636,000       2,867,000  

Deferred compensation

    1,739,000       1,661,000  

Core deposit premium

    234,000       245,000  

OREO valuation allowance

    1,326,000       1,253,000  

Other

    621,000       607,000  
   

 

 

   

 

 

 

Total deferred tax assets

    6,883,000       7,816,000  
   

 

 

   

 

 

 

Deferred tax liabilities:

               

Prepaid costs

    (103,000     (167,000

Deferred loan costs

    (960,000     (779,000

Unrealized gain on available-for-sale investment securities

    (232,000     (110,000

Other

    (154,000     (162,000
   

 

 

   

 

 

 

Total deferred tax liabilities

    (1,449,000     (1,218,000
   

 

 

   

 

 

 

Net deferred tax assets

  $ 5,434,000     $ 6,598,000  
   

 

 

   

 

 

 
Provision for income taxes differs from amounts computed by applying the statutory Federal income tax rate to operating income before income taxes
                         
    2012     2011     2010  

Federal income tax, at statutory rate

    34.0     34.0     34.0

State franchise tax, net of Federal tax effect

    5.7     4.4     5.5

Interest on obligations of states and political subdivisions

    (0.3 )%      (2.7 )%      (4.4 )% 

Net increase in cash surrender value of bank owned life insurance

    (3.9 )%      (9.7 )%      (8.8 )% 

Other

    (0.1 )%      (2.1 )%      2.3
   

 

 

   

 

 

   

 

 

 

Effective tax rate

    35.4     23.9     28.6
   

 

 

   

 

 

   

 

 

 
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Shareholder's Equity
12 Months Ended
Dec. 31, 2012
Shareholders' Equity [Abstract]  
SHAREHOLDERS' EQUITY

13. SHAREHOLDERS’ EQUITY

Dividend Restrictions

The Company's ability to pay cash dividends is dependent on dividends paid to it by the Bank and limited by California corporation law. Under California law, the holders of common stock of the Company are entitled to receive dividends when and as declared by the Board of Directors, out of funds legally available, subject to certain restrictions. The California general corporation law prohibits the Company from paying dividends on its common stock unless: (i) its retained earnings, immediately prior to the dividend payment, equals or exceeds the amount of the dividend or (ii) immediately after giving effect to the dividend, the sum of the Company's assets (exclusive of goodwill and deferred charges) would be at least equal to 125% of its liabilities (not including deferred taxes, deferred income and other deferred liabilities) and the current assets of the Company would be at least equal to its current liabilities, or, if the average of its earnings before taxes on income and before interest expense for the two preceding fiscal years was less than the average of its interest expense for the two preceding fiscal years, at least equal to 125% of its current liabilities.

Dividends from the Bank to the Company are restricted under California law to the lesser of the Bank's retained earnings or the Bank's net income for the latest three fiscal years, less dividends previously declared during that period, or, with the approval of the DFI, to the greater of the retained earnings of the Bank, the net income of the Bank for its last fiscal year, or the net income of the Bank for its current fiscal year. As of December 31, 2012, the maximum amount available for dividend distribution under this restriction was approximately $4,800,000. In addition the Company’s ability to pay dividends is subject to certain covenants contained in the indentures relating to the Trust Preferred Securities issued by the business trusts (see Note 11 for additional information related to the Trust Preferred Securities).

As described below, dividends on common stock are also limited related to the Company’s participation in the Capital Purchase Program. Additionally, Plumas Bancorp is required by the FRB to obtain the FRB’s prior written consent before paying any dividends on its common stock or its Series A Preferred Stock, or making any payments on its trust preferred securities. On March 15, 2013, with the approval of the FRB, the Company made all current and deferred interest payments on its trust preferred securities.

Preferred Stock

On January 30, 2009 the Company entered into a Letter Agreement (the “Purchase Agreement”) with the United States Department of the Treasury (“Treasury”), pursuant to which the Company issued and sold (i) 11,949 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “Series A Preferred Stock”) and (ii) a warrant (the “Warrant”) to purchase 237,712 shares of the Company’s common stock, no par value (the “Common Stock”), for an aggregate purchase price of $11,949,000 in cash.

 

The Warrant has a 10-year term and is exercisable, with an exercise price, subject to antidilution adjustments, equal to $7.54 per share of the Common Stock. Treasury has agreed not to exercise voting power with respect to any shares of Common Stock issued upon exercise of the Warrant.

The Company allocated the proceeds received on January 30, 2009 between the Series A Preferred Stock and the Warrant based on the estimated relative fair value of each. The fair value of the Warrant was estimated based on a Black-Scholes-Merton model and totaled $320,000. The discount recorded on the Series A Preferred Stock was based on a discount rate of 12% and will be amortized by the level-yield method over 5 years. Discount accretion for the years ended December 31, 2012, 2011, and 2010 totaled $87,000, $87,000 and $87,000, respectively.

The Series A Preferred Stock qualifies as Tier 1 capital and will pay cumulative dividends quarterly at a rate of 5% per annum for the first five years, and 9% per annum thereafter. The Company may redeem the Series A Preferred Stock at its liquidation preference ($1,000 per share) plus accrued and unpaid dividends under the American Recovery and Reinvestment Act of 2009, subject to the Treasury’s consultation with the Company’s appropriate federal regulator.

With respect to dividends on the Company’s common stock, Treasury’s consent shall be required for any increase in common dividends per share until the third anniversary of the date of its investment unless prior to such third anniversary the Series A Preferred Stock is redeemed in whole or the Treasury has transferred all of the Senior Preferred Series A Preferred Stock to third parties. Furthermore, with respect to dividends on certain other series of preferred stock, restrictions from Treasury may apply. The Company does not have any outstanding preferred stock other than the Series A Preferred Stock discussed above.

During the second quarter of 2010, Plumas Bancorp, as required by the FRB, suspended the declaration and payment of future quarterly cash dividends on its Series A Preferred Stock. Plumas Bancorp is in arrears in the amount of $1,643,000 and $1,046,000 with the dividend payments on the Series A Preferred Stock as of December 31, 2012 and 2011, respectively.

Earnings Per Share

Basic earnings per share is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted earnings per share.

 

 

                         
    For the Year Ended December 31,  

(In thousands, except per share data)

  2012     2011     2010  

Net Income:

                       

Net income

  $ 1,950     $ 941     $ 971  

Dividends on preferred shares

    (684     (684     (684
   

 

 

   

 

 

   

 

 

 

Net income available to common shareholders

  $ 1,266     $ 257     $ 287  
   

 

 

   

 

 

   

 

 

 

Earnings Per Share:

                       

Basic earnings per share

  $ 0.26     $ 0.05     $ 0.06  

Diluted earnings per share

  $ 0.26     $ 0.05     $ 0.06  

Weighted Average Number of Shares Outstanding:

                       

Basic shares

    4,776       4,776       4,776  

Diluted shares

    4,782       4,776       4,776  

Shares of common stock issuable under stock options for which the exercise prices were greater than the average market prices were not included in the computation of diluted earnings per share due to their antidilutive effect. When a net loss occurs, no difference in earnings per share is calculated because the conversion of potential common stock is anti-dilutive. Stock options not included in the computation of diluted earnings per share, due to shares not being in the-money and having an antidilutive effect, were 394,000, 483,000 and 312,000 for the years ended December 31, 2012, 2011 and 2010, respectively.

 

Stock Options

In 2001, the Company established a Stock Option Plan for which 419,806 shares of common stock remain reserved for issuance to employees and directors and no shares are available for future grants as of December 31, 2012. The Plan requires that the option price may not be less than the fair market value of the stock at the date the option is granted, and that the stock must be paid in full at the time the option is exercised. Payment in full for the option price must be made in cash or with Company common stock previously acquired by the optionee and held by the optionee for a period of at least six months. The Plan does not provide for the settlement of awards in cash and new shares are issued upon option exercise. The options expire on dates determined by the Board of Directors, but not later than ten years from the date of grant. Upon grant, options vest ratably over a three to five year period. A summary of the activity within the Plan follows:

 

                                 
    Shares     Weighted
Average
Exercise
Price
    Weighted
Average
Remaining
Contractual
Term
    Intrinsic
Value
 

Options outstanding at January 1, 2010

    403,966     $ 13.56                  

Options cancelled

    (91,936     14.05                  
   

 

 

                         

Options outstanding at December 31, 2010

    312,030     $ 13.41                  

Options granted

    248,000       2.95                  

Options cancelled

    (77,250     9.05                  
   

 

 

                         

Options outstanding at December 31, 2011

    482,780     $ 8.74                  

Options cancelled

    (62,974     9.17                  
   

 

 

                         

Options outstanding at December 31, 2012

    419,806     $ 8.67       4.2     $ 65,286  
   

 

 

                         

Options exercisable at December 31, 2012

    262,913     $ 12.08       3.0     $ 16,647  

Expected to vest after December 31, 2012

    131,909     $ 2.95       6.2     $ 40,892  

As of December 31, 2012, there was $88,000 of total unrecognized compensation cost related to non-vested share-based compensation arrangements granted under the Plan. That cost is expected to be recognized over a weighted average period of 2.2 years.

The total fair value of options vested was $89,000 and $153,000 for the year ended December 31, 2012 and 2011, respectively.

 

Regulatory Capital

The Company and the Bank are subject to certain regulatory capital requirements administered by the Board of Governors of the Federal Reserve System and the FDIC. Failure to meet these minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements.

Under capital adequacy guidelines, the Company and the Bank must meet specific capital guidelines that involved quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. These quantitative measures are established by regulation and require that minimum amounts and ratios of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets be maintained. Capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

The Bank is also subject to additional capital guidelines under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table on the following page and cannot be subject to a written agreement, order or capital directive issued by the FDIC. Management believes that the Company and the Bank met all capital adequacy requirements to which they are subject.

 

 

                                 
    December 31,  
    2012     2011  
    Amount     Ratio     Amount     Ratio  

Leverage Ratio

                               

Plumas Bancorp and Subsidiary

  $ 49,052,000       10.3   $ 45,024,000       9.8

Minimum regulatory requirement

  $ 19,040,000       4.0   $ 18,313,000       4.0

Plumas Bank

  $ 49,662,000       10.4   $ 45,073,000       9.8

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 23,852,000       5.0   $ 22,882,000       5.0

Minimum regulatory requirement

  $ 19,032,000       4.0   $ 18,305,000       4.0

Tier 1 Risk-Based Capital Ratio

                               

Plumas Bancorp and Subsidiary

  $ 49,052,000       13.9   $ 45,024,000       13.7

Minimum regulatory requirement

  $ 14,143,000       4.0   $ 13,149,000       4.0

Plumas Bank

  $ 49,662,000       14.1   $ 45,073,000       13.7

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 21,200,000       6.0   $ 19,710,000       6.0

Minimum regulatory requirement

  $ 14,133,000       4.0   $ 13,140,000       4.0

Total Risk-Based Capital Ratio

                               

Plumas Bancorp and Subsidiary

  $ 53,489,000       15.1   $ 49,169,000       15.0

Minimum regulatory requirement

  $ 28,286,000       8.0   $ 26,298,000       8.0

Plumas Bank

  $ 54,096,000       15.3   $ 49,215,000       15.0

Minimum requirement for “Well-Capitalized” institution under the prompt corrective action

  $ 35,333,000       10.0   $ 32,850,000       10.0

Minimum regulatory requirement

  $ 28,266,000       8.0   $ 26,280,000       8.0

 

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Junior Subordinated Deferrable Interest Debentures (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Amount aggregate payments on the payments on the subordinated debt $ 906,000 $ 569,000  
Interest Expense Recognized 344,000 326,000 312,000
Plumas Statutory Trust I [Member]
     
Capital 290,000    
Amount of trust preferred securities, eligible for Tier 1 Capital 25.00%    
Floating Rate Capital Trust Pass Through Securities 6,000    
Liquidation Value, Per security 1,000    
Gross proceeds 6,000,000    
Proceeds Invested 6,186,000    
Maturity date of Subordinate Debt issued Sep. 26, 2032    
Current Interest Rate 3.71%    
LIBOR plus Interest 3.40%    
Subordinated Debentures, Anniversary 5 years    
Cumulative Cash Distribution, Per Securities 1,000    
Option to defer payment to distributions period 5 years    
Plumas Statutory Trust II [Member]
     
Capital 157,000    
Floating Rate Capital Trust Pass Through Securities 4,000    
Liquidation Value, Per security 1,000    
Gross proceeds 4,000,000    
Proceeds Invested $ 4,124,000    
Maturity date of Subordinate Debt issued Sep. 28, 2035    
Current Interest Rate 1.79%    
LIBOR plus Interest 1.48%