# BANK OF FEATHER RIVER
YUBA CITY, CA · FDIC certificate 58630 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $195.2M | |
| Deposits | $176.7M | |
| Loans and leases | $159.6M | |
| Total equity | $16.3M | |
| Loans / deposits | 89.38% (p90 of band) | 64.15% |
| Liquid assets / assets | 14.57% (p3 of band) | |
| Uninsured deposits / deposits | 41.65% (p94 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.35% (p14 of band) | 10.40% |
| Unrealized securities loss / equity | 0.00% (p26 of band) | 0.89% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | -1.10% (p2 of band) | 1.04% |
| Net interest margin | 4.71% (p93 of band) | 3.30% |
| Efficiency ratio | 130.61% (p98 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 60% | |
| Construction % of loans | 59.99% (p87 of band) | |
| Auto loans | $56,000 (0.04% of loans; DQ 7.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.5% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | loans exceed deposits |  |
| 2011-09 | 3 | capital falling | loans exceed deposits |
| 2011-12 | 1 |  | wholesale funding >15%, capital falling |
| 2012-03 | 0 |  | brokered >10% |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | brokered >10% |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 3 | capital falling, reserve under noncurrent |  |
| 2013-12 | 2 |  | brokered >10% |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 2 | capital falling | reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent | brokered >10% |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-09 | 1 |  | liquid assets <10% |
| 2017-12 | 1 | capital falling | loans exceed deposits |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-07-06 [Plumas Bank’s acquisition of Bank of Feather River completed - plumasnews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNLURjeW5fb1BJWmdnSkxZcWoxRy1lS2Z2OHd0S1RVNG9IWlQxb1paUHJ5bDZrUG5HX1BRVF8zcnNnTFdKR1ZWRUNLaXpBWm42dFRYZEFOYmh0WWV2ZnZiemltZExhSjdJNF85SzdwRV9pRzRtWjB5VUFCa096ZjQxWHNfTk1GX0w5dzRVWkQySWQ?oc=5) · plumasnews.com
- 2021-07-13 [Plumas Bancorp completes acquisition of Feather River Bancorp - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxObHdJMjktWGl3bE5mOTZJUW55eEs2WnFrdnJpclpkQXFnb200UDFlcjVsSy16bTR4SzNUYzgyUWdOOG5IOUV0bEtzR1B4RzVVTjBCUnI1OElYY1hkLVA2M1lQNkZ2VVY2U0ViV1R5UlVzdGtXWG1XeDN0UFpyOTFPOW9IS1dlRWROMnJ1TjJ1X3liclk?oc=5) · Northern Nevada Business Weekly
- 2021-09-07 [As Community Banks Get Acquired, What Happens to Small-Business Lending? - Comstock's magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxNM1JNRkhkZlJBYVFjajVEWkVucFpURFk5RVo5NjVFTEUzVnJoVkpjeXhQaGp3QWpzVlplS1RyRVBUTzBjWjZQaXd5ek9VcU93TEIyNlpZTUhhUGJ5aE9Nd2tNN29DZlU5YWs5aDNkZUJFaHpnZ2dCVE56T05fODZkTlVHQkhxOVN1UDRXNGhOMXlraVRoSUo0VTZZcTlTZHlCcXRNdFVB?oc=5) · Comstock's magazine
- 2021-07-01 [PLUMAS BANCORP ACQUIRES FEATHER RIVER BANCORP, INC. - Yahoo Finance](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdGRjcFBKQUxLZ0dJUFFsam42aE05V09FdE1MNU43d2hLVTJTd2tkSEpqVVEtbXdIRGZfdUp1OWU5UVcyUGxWSl95YkU4eWI2eGhTUUo0QXVVN21YcTNuS25tVjVKeWk4aXpDY0VxdHhGQnFTQW1vR0ZTdHI2V3pkZTdab0lJVTdVaGNV?oc=5) · Yahoo Finance
- 2021-04-11 ['Just makes sense': Plumas Bancorp moves corporate HQ to Reno - Nevada Appeal](https://news.google.com/rss/articles/CBMingFBVV95cUxNTTNtN0NWdHg1NG5TNE1iOWhMUDFTeUtQMmZMc3pZVHBRMHZqQnU1WTQ4czBZUG9kTi1PaDZEdi1wQUdMUzRISHQ4WGxqYXh5clZTOEZ4OUJuZ2FWWUVydEo2Q1RYNWw3dy1EdjliSnhJQ3BybHZ4YW5rV2loTTZyZ2N6RnZVdTl5dGdfV0RLOFRxWDZLU1Y2LVFQbElCZw?oc=5) · Nevada Appeal
- 2021-03-24 [Pacific Mercantile to Merge with Banc of California - Banking Exchange](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbzFyS2EtdXM5bTlmVjlwOTZiRUtfSU1VeUFranJvMGRKWHZlNkRLOG8yNU4ybDNCYWFDVnpFS05jNU56aEtKZmRrWk5JNGNzMkFvX3Z1ejNkVlVOa2ZQUDl3Y1VhYjk2eE83WkF2Y3JZY2hkVmVTTmV4Xzl0ejAtajNJMF81SmR4TDcxQi15SEhfOHZtLVlUbVBtd0gxLUk1M3ppNjJn?oc=5) · Banking Exchange
- 2016-03-26 [Business briefs - appeal-democrat.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUHF5aWFmaUVFTkdMdXpLVDZFR0dWanJGWjlPZkZleklWQm9vcnhSQzdxcXNRblh5MkhZU0hIeWRSdXZxc1pNdUs3U09YcElHWnRrTXdlbUZHZFF1d3F3RXJvc2hITElGSWxtOGk5OURsdVp3dzc4Q1F6WFNfOHRZUjFod3pYdnBGUjBuRGpLUjFQZlZZSHhuN0tvU2VBNFpvZFJBRVJTRXdJQQ?oc=5) · appeal-democrat.com
- 2021-06-26 [A Washington bank is acquiring the former Redding Bank of Commerce - Record Searchlight](https://news.google.com/rss/articles/CBMirgFBVV95cUxORndCOEpEUldiUjB3OTJZd2gwMHI2TkM1MVlFUUpCTzZRM2hROVloMnE5ZUhOaXBVME1teGswYkU1UUtFRzk5ODNLdDBWREoyQnBlbUc3RDhXR2hPWEFRa25malR5dkE0ZTQ5UkYxVGU0c3V0a2N6U1VHN3JwNjVyN2w1M1F1MkxvNnd4RjF1elp2R1ZJQnAyV3pJSGItWVZJaldESzVpZS1Nal9BSkE?oc=5) · Record Searchlight

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58630 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "58630", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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