Bank of Napa, N.A.

Bank of Napa, N.A. is headquartered in Napa and is the 187^th largest bank in the state of California. It is also the 4,031^st largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 20 employees at 1 location. Bank of Napa, N.A. has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Napa, N.A. FDIC Certificate # 58138 BankRate Report View Year Established 2006 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $139.99 million Loans $78.18 million Deposits $121.08 million Equity Capital $18.19 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $653,000 Historic Data - December 2010 Assets $105.96 million Equity Capital $16.66 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $796,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.92% Return on Equity 6.59% Interest Income $5.20 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Napa, N.A. had $653,000 in non-current loans and owned real-estate with $19.63 million in equity and loan loss allowances on hand to cover it. This gives Bank of Napa, N.A. a Texas Ratio of 3.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Napa, N.A. decreased slightly from 4.47% as of December 31, 2010 to 3.33% as of December 31, 2011, resulting in a positive change of 25.51%.This indicates that the balance sheet and financial strength for Bank of Napa, N.A. has improved slightly in recent periods. Deposit Growth In the past year, Bank of Napa, N.A. has increased its total deposits by $32.13 million, resulting in 36.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Napa, N.A. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Napa, N.A. has $139.99 million in assets with $19.63 million in equity, resulting in a capitalization level of 14.02%, which is excellent.

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