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

We Take Banking Seriously

BANK of NAPA, N.A.

OVERVIEWOVERVIEW•Board & Staff Introductions

•Deposit Growth

•Loan Growth

•President’s Message

•Questions

We Take Banking Seriously

BANK of NAPA, N.A.

                                                                                                                                                                                                                                

We Take Banking Seriously

BANK of NAPA, N.A.

DEPOSIT GROWTHDEPOSIT GROWTH

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

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

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

We Take Banking Seriously

BANK of NAPA, N.A.

Loan GrowthLoan Growth

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

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

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%

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

We Take Banking Seriously

BANK of NAPA, N.A.

President’s MessagePresident’s Message

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

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

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

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%

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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

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

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

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

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

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

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

We Take Banking Seriously

BANK of NAPA, N.A.

A Bauer Financial Five Star “Superior” rated bank

We Take Banking Seriously

BANK of NAPA, N.A.

Questions?Questions?