FDIC Certificate #: 58138 Status: Active Federal Reserve ID: 3464368 Date Established: August 14, 2006 WWW:http://www.thebankofnapa.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 440411 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 14, 2006 Last Structure Change Effective Date: April 18, 2007 Last Structure Change Process Date: March 04, 2008 Last Data Update: March 04, 2008 Data Source Date: April 05, 2012
Location
Address: 2007 Redwood Road, Suite 101, Napa, CA 94558 County: Napa Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: San Francisco Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Vallejo-Fairfield-Napa, CA (#8720) Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84) Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488) Core Based Statistical Area (CBSA): Napa, CA (#34900) CBSA Metro Statistical Area: Napa, CA (#34900)
Financial Summary
Total assets: $140.0 mil Equity capital: $18.2 mil Deposits held in domestic offices: $121.1 mil Return on assets (ROA): 0.92% ($1.3 mil) Quarterly return on assets: 1.47% ($2.1 mil) Return on Equity (ROE): 6.59% ($1.2 mil) Quarterly return on equity: 11.18% ($2.0 mil) Net income: $1.1 mil Quarterly Net income: $0.5 mil Pretax return on assets: 0.51% ($713.9 mil) Quarterly Pretax return on assets: 0.70% ($979.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
20Total employees (full-time equivalent)
$139,987Total assets
$7,355Cash and due from depository institutions
$4,002Interest-bearing balances
$42,311Securities
$5,970Federal funds sold & reverse repurchase agreements
$78,183Net loans & leases
$1,436Loan loss allowance
$0Trading account assets
$481Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$139,987Life insurance assets
$5,687All other assets
$121,796Total liabilities and capital
$121,082Total liabilities
$93,944Total deposits
$121,082Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$714Subordinated debt
$18,191All other liabilities
$18,191Total equity capital
$18,191Total bank equity capital
$0Perpetual preferred stock
$11,442Common stock
$12,140Surplus
$-5,391Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$653Income earned, not collected on loans
$0Earning assets
$645Long-term assets (5+ years)
$130,466Average Assets, year-to-date
$52,146Average Assets, quarterly
$124,452Volatile liabilities
$135,688Insider loans
$92,626FHLB advances
$137,088Loans and leases held for sale
$3,120Unused loan commitments
$3,120Tier 1 (core) risk-based capital
$17,816Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,820Restructured Loans and leases
$4,041Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,198Total interest income
$571Total interest expense
$4,627Net interest income
$440Provision for loan and lease losses
$405Total noninterest income
$0Fiduciary activities
$158Service charges on deposit accounts
$0Trading account gains & fees
$247Additional noninterest income
$3,952Total noninterest expense
$2,339Salaries and employee benefits
$472Premises and equipment expense
$1,141Additional noninterest expense
$640Pre-tax net operating income
$0Securities gains (losses)
-$500Applicable income taxes
$1,140Income before extraordinary items
$0Extraordinary gains - net
$1,140Net income attributable to bank
$0Net charge-offs
$1,140Cash dividends
$165Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
0.49%Cost of funding earning assets
3.98%Net interest margin
0.35%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
0.92%Net operating income to assets
0.92%Return on assets (ROA)
0.51%Pretax return on assets
6.59%Return on equity (ROE)
6.59%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
266.67%Credit loss provision to net charge-offs
6.55%Efficiency ratio
78,537Assets per employee
7.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.80%Loss allowance to noncurrent loans
219.91%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.82%Net loans and leases to deposits
64.57%Net loans and leases to core deposits
68.63%Equity capital to assets
12.99%Core capital (leverage) ratio
13.00%Tier 1 risk-based capital ratio
19.23%Total risk-based capital ratio
Memoranda
$20Average assets
$124,452Average earning assets
$17,290Average equity
$116,206Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
440411
Bank Of Napa, N.A.
2007 Redwood Road, Suite 101, Napa, CA 94558
August 14, 2006
Full Service Brick and Mortar
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