BANK of NAPA, N.A. We Take Banking Seriously Welcome to the Bank of Napa Shareholder Meeting May 18, 2011.

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BANK of NAPA, N.A. We Take Banking Seriously Welcome to the Bank of Napa Shareholder Meeting May 18, 2011

BANK of NAPA, N.A. We Take Banking Seriously OVERVIEW Board & Staff Introductions Deposit Growth Loan Growth President’s Message Questions

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously DEPOSIT GROWTH

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously Number of Accounts Non-Interest Bearing Interest Bearing Savings Money Market Time GRAND TOTAL3521,1781,7912,2442,572

BANK of NAPA, N.A. We Take Banking Seriously Loan Growth

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously 2.68%.91% 1.13% 1.50% 1.52% 1.67%

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously President’s Message

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously BON Peer BON

BANK of NAPA, N.A. We Take Banking Seriously STOCK PERFORMANCE

BANK of NAPA, N.A. We Take Banking Seriously A Bauer Financial Five Star “Superior” rated bank

BANK of NAPA, N.A. We Take Banking Seriously Questions?