Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (9.3) profitability. A current level of 5.9 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Comm re (38%), securities (21%), comm loans (7%), cash (4%), consumer loans (3%), home eq lns (2%), home mtgs (1%), other (23%)
States with Branches:
CA, NV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Plumas Bancorp
Investment Rating
Address
35 S Lindan Ave
Quincy, CA 95971
Quincy, CA 95971
Phone Number
(888) 375-8627
Year Founded
1980
FDIC Number
Website
Largest Affiliates
No affiliate information available.