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1168455_15_item7_p38_s4 | 1168455_14_item7_p28_s12 | Interest expense on savings accounts increased by $15 thousand as we have experienced strong growth in this category of deposits. | Interest expense on savings accounts increased by $16 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_15_item7_p136_s3 | 1168455_14_item7_p28_s4 | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | Time deposits declined by $6.3 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. | 2 | [
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1168455_15_item7_p73_s0 | 1168455_14_item7_p44_s0 | We continue to achieve savings in many areas of non-interest expense resulting in a reduction in non-interest expense of $807 thousand from $18.4 million during the twelve months ended December 31, 2012 to $17.6 million during 2013. | Non-interest expense declined by $807 thousand from $18.4 million during the twelve months ended December 31, 2012 to $17.6 million during 2013. | 2 | [
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1168455_15_item7_p137_s0 | 1168455_14_item7_p57_s2 | 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. | 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. | 2 | [
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1168455_15_item7_p96_s0 | 1168455_14_item7_p63_s0 | (2) Includes agriculture real estate The following table sets forth the maturity of gross loan categories as of December 31, 2013. | The following table sets forth the maturity of gross loan categories as of December 31, 2014. | 2 | [
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1168455_15_item7_p99_s0 | 1168455_14_item7_p65_s1 | 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. | The Management Asset Resolution Committee (MARC) reviews the asset quality of criticized and past due loans on a monthly basis and reports the findings to the full Board of Directors. | 2 | [
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1168455_15_item7_p100_s0 | 1168455_14_item7_p66_s0 | The Company has implemented MARC to develop an action plan to significantly reduce nonperforming loans. | The Company has implemented MARC to develop an action plan to significantly reduce nonperforming assets. | 2 | [
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1168455_15_item7_p37_s3 | 1168455_14_item7_p94_s3 | Time deposits declined by $7.9 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. | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | 2 | [
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1168455_15_item7_p139_s1 | 1168455_14_item7_p96_s1 | 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. | In order to assist in meeting any funding demands, the Company maintains a secured borrowing arrangement with the FHLB. | 2 | [
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1168455_15_item7_p143_s2 | 1168455_14_item7_p99_s1 | The note bears interest at the U.S. Prime Rate plus three-quarters percent per annum, 4.00% at December 31, 2013, has a term of 18 months and is secured by 100 shares of Plumas Bank stock representing the Company s 100% ownership interest in Plumas Bank. | "Prime Rate" plus three-quarters percent per annum, 4.00% at December 31, 2014 and 2013, has a term of 18 months and is secured by 100 shares of Plumas Bank stock representing the Company s 100% ownership interest in Plumas Bank. | 2 | [
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1168455_16_item7_p111_s2 | 1168455_15_item7_p113_s2 | The allowance for loan losses as a percentage of total loans decreased from 1.63% at December 31, 2013 to 1.47% at December 31, 2014. | The allowance for loan losses as a percentage of total loans increased from 1.47% at December 31, 2014 to 1.52% at December 31, 2015. | 2 | [
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1168455_16_item7_p84_s4 | 1168455_15_item7_p137_s0 | 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 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. | 2 | [
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1168455_16_item7_p140_s1 | 1168455_15_item7_p143_s4 | Under the Note the Bank is subject to several negative and affirmative covenants including, but not limited to providing timely financial information, maintaining specified levels of capital, restrictions on additional borrowings, and meeting or exceeding certain capital and asset quality ratios. | As originally issued, the Note provided for an interest rate of U.S. Prime Rate plus three-quarters percent per annum, 4.00% at December 31, 2014 and 2013, had a term of 18 months and subjected the Bank to several negative and affirmative covenants including, but not limited to providing timely financial information, m... | 2 | [
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1168455_16_item7_p145_s0 | 1168455_15_item7_p152_s0 | In 2011 Plumas Bank introduced a new product for their larger business customers which use repurchase agreements as an alternative to interest-bearing deposits. | In 2011 the Bank introduced a new product for its larger business customers which use repurchase agreements as an alternative to interest-bearing deposits. | 2 | [
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1168455_16_item7_p150_s0 | 1168455_15_item7_p158_s0 | 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 2002, 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. | 2 | [
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1168455_16_item7_p151_s3 | 1168455_15_item7_p159_s2 | 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%. | 2 | [
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1168455_16_item7_p151_s2 | 1168455_15_item7_p159_s3 | The Trust Preferred Securities issued by Trust II adjust on each quarterly anniversary date to equal the 3-month LIBOR plus 1.48%. | 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%. | 2 | [
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1168455_16_item7_p164_s1 | 1168455_15_item7_p170_s1 | 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. | The Company policy is to maintain the Bank s ratios above the prescribed well-capitalized ratios at all times. | 2 | [
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1168455_16_item7_p133_s4 | 1168455_15_item7_p37_s3 | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | Time deposits declined by $4.1 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. | 2 | [
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1168455_16_item7_p38_s4 | 1168455_15_item7_p38_s4 | Interest expense on savings accounts increased by $16 thousand as we continued to experience strong growth in this category of deposits. | Interest expense on savings accounts increased by $28 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_16_item7_p140_s0 | 1168455_15_item7_p40_s0 | On October 24, 2013 the Bancorp issued a $3 million promissory note dated October 24, 2013 payable to an unrelated commercial bank. | On October 24, 2013 the Company issued a $3.0 million promissory note (the Note ) payable to an unrelated commercial bank. | 2 | [
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1168455_16_item7_p35_s1 | 1168455_15_item7_p48_s1 | The increase in yield incudes an increase in government sponsored agency residential mortgage backed securities as a percentage of total securities and an increase in market yields. | The increase in yield on investment securities includes an increase in municipal securities as a percentage of total securities and an increase in market yields. | 2 | [
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1168455_16_item7_p20_s1 | 1168455_15_item7_p50_s3 | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | Time deposits declined by $4.1 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. | 2 | [
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1168455_16_item7_p38_s4 | 1168455_15_item7_p51_s5 | Interest expense on savings accounts increased by $15 thousand as we have experienced strong growth in this category of deposits. | Interest expense on savings accounts increased by $28 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_16_item7_p51_s4 | 1168455_15_item7_p51_s5 | Interest expense on savings accounts increased by $15 thousand as we have experienced strong growth in this category of deposits. | Interest expense on savings accounts increased by $16 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_16_item7_p77_s0 | 1168455_15_item7_p71_s4 | The provision for OREO losses declined by $246 thousand from $486 thousand during the twelve months ended December 31, 2013 to $240 thousand during the current period. | The provision from change in OREO valuation declined by $246 thousand from $486 thousand during the twelve months ended December 31, 2013 to $240 thousand during the 2014. | 2 | [
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1168455_17_item7_p103_s0 | 1168455_16_item7_p105_s0 | Formula allocations are calculated by applying loss factors to outstanding loans with similar characteristics. | Formula allocations are calculated by applying los s factors to outstanding loans with similar characteristics. | 2 | [
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1168455_17_item7_p122_s1 | 1168455_16_item7_p125_s1 | Repossessed assets include vehicles and other commercial assets acquired under agreements with delinquent borrowers. | Repossessed assets include vehicles and other commercial a ssets acquired under agreements with delinquent borrowers. | 2 | [
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1168455_17_item7_p124_s0 | 1168455_16_item7_p127_s0 | Investment Portfolio and Federal Funds Sold. | Inve stment Portfolio and Federal Funds Sold. | 2 | [
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1168455_17_item7_p125_s2 | 1168455_16_item7_p128_s2 | 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. | Se curities 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. | 2 | [
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1168455_17_item7_p39_s3 | 1168455_16_item7_p133_s4 | Time deposits declined by $4.1 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. | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | 2 | [
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1168455_17_item7_p52_s3 | 1168455_16_item7_p133_s4 | Time deposits declined by $4.1 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. | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | 2 | [
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1168455_17_item7_p82_s7 | 1168455_16_item7_p133_s5 | 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 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. | 2 | [
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1168455_17_item7_p134_s0 | 1168455_16_item7_p137_s0 | The Company s time deposits of $100,000 or more had the following schedule of maturities at December 31, 2015: | The Company s ti me deposits of $100,000 or more had the following schedule of maturities at December 31, 2016 (dollars in thousands) : | 2 | [
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1168455_17_item7_p14_s1 | 1168455_16_item7_p13_s1 | This increase in net interest income resulted from an increase in interest income of $1.5 million and a decrease in interest expense of $489 thousand. | This increase in net interest income resulted from an increase in interest income of $2.5 million and a decrease in interest expense of $181 thousand. | 2 | [
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1168455_17_item7_p14_s3 | 1168455_16_item7_p13_s3 | An increase of $2 thousand in interest expense on deposits was offset by a decrease in interest expense on borrowings of $491 thousand. | An increase of $19 thousand in interest expense on deposits was offset by a decrease in interest expense on borrowings of $200 thousand. | 2 | [
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1168455_17_item7_p141_s2 | 1168455_16_item7_p143_s3 | "Prime Rate" plus one-half percent per annum and are secured by 100 shares of Plumas Bank stock representing the Company s 100% ownership interest in Plumas Bank. | Both the Term Loan and the Note bear interest at a rate of the U.S. Prime Rate plus one-half percent per annum and are secured by 100 shares of Plumas Bank stock representing the Company s 100% ownership interest in Plumas Bank. | 2 | [
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1168455_17_item7_p151_s1 | 1168455_16_item7_p154_s1 | Such dividends help promote shareholder value and capital adequacy by enhancing the marketability of the Company s stock. | Such dividends help promote shareholder value and capital adequacy by enhanc ing the marketability of the Company s stock. | 2 | [
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1168455_17_item7_p52_s0 | 1168455_16_item7_p37_s0 | Interest expense on deposits increased by $2 thousand to $518 thousand for the twelve months ended December 31, 2015, up from $516 thousand in 2014. | Interest expense on dep osits increased by $2 thousand to $518 thousand for the twelve months ended December 31, 2015, up from $516 thousand in 2014. | 2 | [
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1168455_17_item7_p40_s0 | 1168455_16_item7_p38_s0 | Interest expense on NOW accounts increased by $4 thousand. | Interest expense on NOW accounts increased by $5 thousand. | 2 | [
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1168455_17_item7_p145_s0 | 1168455_16_item7_p40_s1 | The subordinated debt bears an interest rate of 7.5% per annum, has a term of 8 years with no prepayment allowed during the first two years and was made in conjunction with an eight-year warrant (the Lender Warrant ) to purchase up to 300,000 shares of the Company s common stock, no par value at an exercise price, subj... | The subordinated debt had an interest rate of 7.5% per ann um and a term of 8 years with no prepayment allowed during the first two years and was made in conjunction with an eight-year warrant to purchase up to 300,000 shares of the Bancorp s common stock, no par value at an exercise price, subject to anti-dilution adj... | 2 | [
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1168455_17_item7_p43_s0 | 1168455_16_item7_p41_s0 | Interest expense on the Company s note payable (see Financial Condition Note Payable ) increased by $44 thousand to $155 thousand during the twelve months ended December 31, 2015. | Interest e xpense on the Company s note payable (see Financial Condition Note Payable ) decreased by $22 thousand to $133 thousand during the twelve months ended December 31, 2016. | 2 | [
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1168455_17_item7_p130_s2 | 1168455_16_item7_p50_s3 | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | Time deposits declined by $2.7 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. | 2 | [
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1168455_17_item7_p19_s2 | 1168455_16_item7_p50_s3 | We attribute much of this decline to migration into other types of deposits given the low rates and lack of liquidity associated with time deposits. | Time deposits declined by $2.7 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. | 2 | [
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1168455_17_item7_p40_s6 | 1168455_16_item7_p51_s4 | Interest expense on savings accounts increased by $16 thousand as we continued to experience strong growth in this category of deposits. | Interest expense on savings accounts increased by $26 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_17_item7_p53_s4 | 1168455_16_item7_p51_s4 | Interest expense on savings accounts increased by $16 thousand as we continued to experience strong growth in this category of deposits. | Interest expense on savings accounts increased by $28 thousand as we continued to experience strong growth in this category of deposits. | 2 | [
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1168455_17_item7_p68_s0 | 1168455_16_item7_p63_s0 | Loan servicing income, which increased by $60 thousand, represents servicing income received on the guaranteed portion of small business administration ( SBA ) loans sold into the secondary market. | Loan servicing income, which increased by $60 thousand, represents servicing income received on the guaranteed portion of loans sold into the secondary market. | 2 | [
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1168455_17_item7_p68_s2 | 1168455_16_item7_p63_s2 | Other non-interest income increased by $54 thousand to $894 thousand mostly related to an increase of $126 thousand in dividends received on Federal Home Loan Bank of San Francisco (FHLB) stock. | Other non-interest income increased by $54 thousand to $894 thousand mostly related to an increase of $126 thousand in dividends received on FHLB stock. | 2 | [
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1168455_17_item7_p7_s0 | 1168455_16_item7_p6_s0 | We evaluate our allowance for loan losses quarterly. | We eval uate our allowance for loan losses quarterly. | 2 | [
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1168455_17_item7_p77_s0 | 1168455_16_item7_p70_s5 | The provision from change in OREO valuation declined by $161 thousand from $240 thousand during the year ended December 31, 2014 to $79 thousand during the current period. | The provision from cha nge in OREO valuation declined by $161 thousand from $240 thousand during the year ended December 31, 2014 to $79 thousand during the current period. | 2 | [
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1168455_17_item7_p78_s0 | 1168455_16_item7_p71_s0 | The decline in occupancy and equipment expense includes several reductions the largest of which was a savings of $49 thousand in equipment expense and maintenance. | The decline in occupancy and equipment expense includes several reductions the largest of which was a savings of $49 thousand in equip ment expense and maintenance. | 2 | [
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1168455_17_item7_p130_s3 | 1168455_16_item7_p84_s4 | 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. | 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. | 2 | [
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1168455_17_item7_p83_s0 | 1168455_16_item7_p85_s0 | As shown in the following table the Company s largest lending categories are commercial real estate loans, auto loans, equity lines of credit, agricultural loans and commercial loans. | As shown in the follow ing table the Company s largest lending categories are commercial real estate loans, auto loans, equity lines of credit, agricultural loans and commercial loans. | 2 | [
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1168455_18_item7_p104_s0 | 1168455_17_item7_p103_s0 | Formula allocations are calculated by applying los s factors to outstanding loans with similar characteristics. | Formula allocations are calculated by applying loss factors to outstanding loans with similar characteristics. | 2 | [
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1168455_18_item7_p122_s0 | 1168455_17_item7_p119_s0 | 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. | A substandard loan is not adequately p rotected by the current sound worth and paying capacity of the borrower or the value of the collateral pledged, if any. | 2 | [
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1168455_18_item7_p125_s1 | 1168455_17_item7_p122_s1 | Repossessed assets include vehicles and other commercial a ssets acquired under agreements with delinquent borrowers. | Repossessed assets include vehicles and other commercial assets acquired under agreements with delinquent borrowers. | 2 | [
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1168455_18_item7_p127_s4 | 1168455_17_item7_p124_s4 | The Company realized a gain on sale from eight of these securities totaling $48 thousand and a loss on sale on six securities of $80 thousand . | The Company realized a gain on sale from four of these securities totaling $4 thousand and a loss on sale on twelve securities of $162 thousand . | 2 | [
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