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Napa Community Bank

Napa, CA · Cert 57260

FDIC

Q1 2010

$159.0MAssets
$140.3MLoans
$142.2MDeposits
$15.4MEquity
Loan mix
83%RE $95.0M17%C&I $19.6M0%Consumer $0.1MQ1 2009Q1 2010
Deposit mix
81%Interest-bearing $114.8M19%Noninterest $27.4MQ1 2009Q1 2010

NIM

6.26%Q1 ’085.76%Q1 ’095.11%Q1 ’10+12%-14%

Non-interest income vs. expense

2.87%Q1 ’082.68%Q1 ’092.50%Q1 ’10+8%-1%

Executive Summary

  • Earnings: ROA of -0.54%, down 186 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.49%.
  • Funding: loans stand at 98.64% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.54%-186 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-70 bps YoY

Efficiency Ratio (YTD, annualized)

60.98%+697 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.32%1.23%1.06%0.31%-0.54%-186 bps
Return on Equity12.64%11.85%10.31%3.07%-5.63%-1,828 bps
Net Interest Margin4.95%4.94%4.81%4.61%4.25%-70 bps
Efficiency Ratio54.01%52.35%49.48%47.68%60.98%+697 bps
Non-Interest Burden2.67%2.50%2.25%2.08%2.66%-2 bps
Growth
Asset Growth (YoY)13.00%16.14%12.83%11.95%9.53%-347 bps
Loan Growth (YoY)22.49%15.11%12.60%8.61%3.15%-1,934 bps
Deposit Growth (YoY)0.36%12.28%20.20%28.33%30.12%+2,977 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.16%1.82%1.49%+149 bps
Allowance / Loans1.37%1.52%1.80%1.76%2.12%+75 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.46%12.44%12.28%11.74%11.43%-103 bps
Equity / Assets10.78%10.17%10.05%9.38%9.71%-107 bps
Liquidity & Funding
Loans / Deposits124.44%117.75%110.77%99.29%98.64%-2,580 bps
Liquid Assets / Assets0.44%0.44%0.44%0.38%0.42%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a