PackageTrendsPeer
Letter portraitLegal landscape

Bank of Napa, National Association

Napa, CA · Cert 58138

FDIC · 2 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Napa, National Association

Napa, CA · Cert 58138

FDIC · 2 branches

Q3 2017

$255.3MAssets
$140.5MLoans
$226.1MDeposits
$27.8MEquity
Loan mix
86%RE $67.8M14%C&I $11.1M0%Consumer $0.1MQ3 2016Q3 2017
Deposit mix
72%Interest-bearing $162.2M28%Noninterest $64.0MQ3 2016Q3 2017

NIM

3.40%Q3 ’153.38%Q3 ’163.45%Q3 ’170%+3%

Non-interest income vs. expense

2.52%Q3 ’152.36%Q3 ’162.49%Q3 ’17-6%+7%

Market Position · Napa, CA · 2017 SOD (annual) · 5.5% share · #8 of 16 inst. · $0.2B of $3.9B

Executive Summary

  • Earnings: ROA of 0.72%, down 1 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.93%, down 10 bps from a year ago.
  • Funding: loans stand at 62.11% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.72%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+9 bps YoY

Efficiency Ratio (YTD, annualized)

70.54%+219 bps YoY

Tier 1 Leverage Ratio

10.93%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.74%0.75%0.76%0.81%0.72%-1 bps
Return on Equity6.55%6.80%7.18%7.49%6.72%+16 bps
Net Interest Margin3.22%3.13%3.31%3.36%3.31%+9 bps
Efficiency Ratio68.35%67.55%68.12%66.88%70.54%+219 bps
Non-Interest Burden2.13%2.05%2.18%2.17%2.27%+14 bps
Growth
Asset Growth (YoY)18.05%15.27%11.00%6.22%5.34%-1,271 bps
Loan Growth (YoY)3.72%6.10%5.71%8.55%9.96%+624 bps
Deposit Growth (YoY)19.03%16.66%11.88%6.57%5.61%-1,343 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.10%0.10%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.46%1.41%1.38%1.38%1.37%-9 bps
Allowance Coverage of NPLsn/an/a14.1x14.1xn/an/a
Capital
Tier 1 Leverage Ratio11.03%10.76%11.04%10.99%10.93%-10 bps
Total Risk-Based Capital18.11%17.51%17.45%17.56%17.64%-47 bps
Equity / Assets11.01%10.54%10.66%11.04%10.89%-12 bps
Liquidity & Funding
Loans / Deposits59.66%62.13%63.20%63.97%62.11%+246 bps
Liquid Assets / Assets2.06%0.75%0.00%0.00%1.96%-10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a