Bank of Napa, N.A. in Napa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Napa, N.A. in Napa, California (CA)
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Bank of Napa, N.A. - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0440411Bank Of Napa, N.A.2007 Redwood Road, Suite 101, Napa, CA 94558August 14, 2006Full Service Brick and Mortar

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