Welcome to the Bank of Napa Shareholder Meeting May 18, 2011
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Transcript of Welcome to the Bank of Napa Shareholder Meeting May 18, 2011
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We Take Banking Seriously
BANK of NAPA, N.A.
Welcome toWelcome tothe Bank of Napathe Bank of Napa
Shareholder MeetingShareholder MeetingMay 18, 2011May 18, 2011
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We Take Banking Seriously
BANK of NAPA, N.A.
OVERVIEWOVERVIEW•Board & Staff Introductions
•Deposit Growth
•Loan Growth
•President’s Message
•Questions
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We Take Banking Seriously
BANK of NAPA, N.A.
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We Take Banking Seriously
BANK of NAPA, N.A.
DEPOSIT GROWTHDEPOSIT GROWTH
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We Take Banking Seriously
BANK of NAPA, N.A.
Total Deposits $(000)
$6,607
$67,516
$25,524
$43,721
$88,953$91,437
$-
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
$80,000
$90,000
$100,000
4Q06 4Q07 4Q08 4Q09 4Q10 1Q11
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We Take Banking Seriously
BANK of NAPA, N.A.
2009 Deposit Composition ($000)
18%
11%
2%
38%
31%
Non-InterestBearing
Interest BearingChecking
Savings
Money Market
Time
2010 Deposit Composition ($000)
17%
11%
2%
34%
36%
Non-InterestBearing
Interest BearingChecking
Savings
Money Market
Time
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We Take Banking Seriously
BANK of NAPA, N.A.
Number of Accounts
2006 2007 2008 2009 2010
Non-Interest Bearing 24 173 256 313 358
Interest Bearing 155 534 770 951 1081
Savings 66 172 262 314 334
Money Market 70 174 255 316 366
Time 37 125 248 350 433
GRAND TOTAL 352 1,178 1,791 2,244 2,572
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We Take Banking Seriously
BANK of NAPA, N.A.
Loan GrowthLoan Growth
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We Take Banking Seriously
BANK of NAPA, N.A.
Total Loans $(000)
$1,121
$46,664
$63,403
$76,229 $76,224
$12,197
$-
$20,000
$40,000
$60,000
$80,000
$100,000
4Q06 4Q07 4Q08 4Q09 4Q10 1Q11
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We Take Banking Seriously
BANK of NAPA, N.A.
2009 Loan Composition ($000)
5%
25%
26%
41%
2%1% Land & Agriculture
Re Residential
HELOC
Commercial
RE Commercial
Consumer
2010 Loan Composition ($000)
6%
22%
28%
41%
1% 2% Land & Agriculture
Re Residential
HELOC
Commercial
RE Commercial
Consumer
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We Take Banking Seriously
BANK of NAPA, N.A.
Allowance for Loan Loss $(000)
$-
$500
$1,000
$1,500
4Q06 4Q07 4Q08 4Q09 4Q10 1Q11
2.68%.91%
1.13%
1.50%
1.52%
1.67%
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We Take Banking Seriously
BANK of NAPA, N.A.
Non-performing Loans as a Percentage of Total Assets
0.00% 0.00%
0.19%
0.53%
1.67%
1.83%
0.75%
0.00%
0.20%
0.40%
0.60%
0.80%
1.00%
1.20%
1.40%
1.60%
1.80%
2.00%
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
President’s MessagePresident’s Message
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We Take Banking Seriously
BANK of NAPA, N.A.
Total Assets $(000)
$26,602
$43,810
$60,992
$84,266
$105,962
$108,708
$-
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
4Q06 4Q07 4Q08 4Q09 4Q10 1Q11
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We Take Banking Seriously
BANK of NAPA, N.A.
Statement of Operations $(000)
($2,027)
($1,417)
($668)($854)
$247 $173
-2500
-2000
-1500
-1000
-500
0
500
4Q06 4Q07 4Q08 4Q09 4Q10 1Q11
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We Take Banking Seriously
BANK of NAPA, N.A.
Net Interest Margin
0.20%
4.99%
4.07%
3.78%
4.41%
4.23%
4.29%
5.25%
4.25%
0.25%0.25% 0.25%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
2006 2007 2008 2009 2010 1Q11
NIM%
FF Rate
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We Take Banking Seriously
BANK of NAPA, N.A.
Equity Capital Ratios as of 12/31/2010
15.33% 15.27% 15.10% 15.10% 14.26% 12.70%
21.75%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
Bank
of N
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Ban
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Wel
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Bank
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We Take Banking Seriously
BANK of NAPA, N.A.
Return on Assets
-2.59%
-0.91%
0.26%
0.65%
-0.34%
-1.99%
-2.56%-3.00%
-2.50%
-2.00%
-1.50%
-1.00%
-0.50%
0.00%
0.50%
1.00%
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
Efficiency Ratio
160.96%
84.26% 82.09%
107.66%89.10%
134.53%
98.07%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
120.00%
140.00%
160.00%
180.00%
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
Non Interest Expense as a Percentage of Total Assets
4.33%
5.65%
4.64%
3.61% 3.51%
3.97%
5.65%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
Salaries and Benefits as a Percentage of Average Assets
3.14%
2.58%
1.96% 2.00%
3.18%
2.18% 2.08%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
3.50%
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
Deposits per Employee
2,1782,337
3,268
4,232
4,671
3,932
3,250
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
Assets per Employee
3,265
4,056
5,009
5,575
2,978
3,946
4,710
0
1,000
2,000
3,000
4,000
5,000
6,000
12/31/2008 12/31/2009 12/31/2010 3/31/2011 BON Peer BON Peer BON Peer BON
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We Take Banking Seriously
BANK of NAPA, N.A.
STOCK PERFORMANCESTOCK PERFORMANCEStock Return
0.00
20.00
40.00
60.00
80.00
100.00
120.00
140.00
Dec
-07
Mar
-08
Jun-
08
Sep
-08
Dec
-08
Mar
-09
Jun-
09
Sep
-09
Dec
-09
Mar
-10
Jun-
10
Sep
-10
Dec
-10
Mar
-11
Date
Val
ue
ABAQ Community BankIndex
Bank of Napa
S&P 500
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We Take Banking Seriously
BANK of NAPA, N.A.
A Bauer Financial Five Star “Superior” rated bank
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We Take Banking Seriously
BANK of NAPA, N.A.
Questions?Questions?