NASDAQ: NBAN
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West Coast Super Community Bank
Conference
September 7, 2006
Presenter:
Terry L. Robinson, President & CEO
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SAFE HABOR STATEMENT
o This presentation contains forward-looking statements that are:
- Subject to contingencies & uncertainties,
- Not a guarantee of future performance,
- Based on assumptions that may change,
- Not to be relied on unduly.
o Many factors are beyond our ability to control or predict, including
factors such as:
- Interest rate volatility.
- Economic conditions.
- Asset performance.
- Ability to control costs.
- Successful acquisition assimilation.
o We assume no obligation to update this data.
o Please see risk factors in NBAN's SEC filings.
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A BRIEF HISTORY
o The Vintage Bank opened for business in Napa in January, 1985 with
capital of $3.1 million
o A $2 million secondary offering was issued in 1994 to support organic
growth
o North Bay Bancorp was formed in 1999
o Solano Bank opened in July 2000 with 3 offices, partially capitalized
with a $5 million secondary offering
o Three Boards were merged & reduced in 2004; Charters merged in 2005;
combined Board reduced to 11 in 2006
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WHY INVEST IN NBAN?
o Board & Management
o Markets & Core Deposit Base
o Asset Quality
o Historical Consistency & Low Risk Profile
o Long-Term EPS Growth Potential
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DIRECTORS
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David B. Gaw Conrad W. Hewitt
Chairman, Attorney Former California Superintendent, DFI
Former Managing Partner, Ernst & Young
Resigned effective August 15, 2006
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Richard S. Long Thomas Shelton
Vice Chairman, CEO Regulus Group, LLC President & CEO, Joseph Phelps Vineyards
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Thomas N. Gavin Stephen C. Spencer
Financial Planning Commercial Real Estate
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Fred J. Hearn, Jr. Denise C. Suihkonen
CEO, Hearn Pacific Corporation Certified Public Accountant
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Thomas F. Malloy James E. Tidgewell
Insurance Certified Public Accountant
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EXECUTIVE MANAGEMENT
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Terry L. Robinson Virginia Robbins
President & CEO since 1988 Executive Vice President
Chief Operating Officer
Joined in 2006
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Glen C. Terry Michael W. Wengel
President, The Vintage Bank Executive Vice President
Joined in 1999 Chief Financial Officer
Joined in 2006
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John Nerland Stephanie Rode
Senior Executive Vice President, Senior Vice President
Chief Credit Officer Risk Management
Joined in 2002 Joined in 2003
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AREA WE SERVE
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SOLANO COUNTY DEPOSIT MARKET SHARE
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NAPA COUNTY DEPOSIT MARKET SHARE
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TOTAL DEPOSITS
June 30, 2005 June 30, 2006
$510 Million $482 Million
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The Vintage Bank LOGO
SOLANO BANK
A Division of The Vintage Bank
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NON-PERFORMING ASSETS/TOTAL ASSETS
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WHY STELLER ASSET QUALITY?
o Credit Culture
o Consistent Underwriting
o Relationship Banking
o Lend within our Markets
o Lend within Industries we Understand
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LOAN PORTFOLIO
June 30, 2005 June 30, 2006
$434 Million $450 Million
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A HISTORICAL PERSPECTIVE
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TOTAL ASSETS
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NET INCOME
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RETURN ON AVERAGE ASSETS
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RETURN ON AVERAGE EQUITY
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ANNUAL OPERATING EFFICIENCY
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EARNINGS PER SHARE
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MARKET CAPITALIZATION
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STOCK PERFORMANCE
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RISK PROFILE
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BALANCE SHEET
o Investment Portfolio
o Agencies, municipals and mortgage-backed PAC's & vanilla
passthroughs
o No derivatives, structured notes, preferred stock, etc.
o Loan Portfolio - Clean
o No Significant Intangible Assets
o Stable Non-interest Bearing Deposit Base
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EARNIGNS
o Interest Rate Risk Near Zero
o Slightly asset sensitive in short run
o Slightly liability sensitive in longer run
o No dependency on Cyclical Revenues
o Low Cost Deposit Base Best Defense Against a Flat Yield Curve
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WHAT'S NEXT
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2006 - 2007 PLANS
o Strengthen "Middle" Management in Key Areas
o Capture Automation Opportunities & Improve Processes in General
o Longer-Term, Capture FTE Improvement Opportunitiesflowing from
Management Upgrades and Automation of Processes
o Expand "Niche" Market Opportunities
(Example: Professional Practice Finance Product)
o Enter Contra Costa County
o Contiguous market - large population & deposit base
o Minimal community bank competition in targeted geographic sections
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SUMMARY & CONCLUSION
o NBAN is an Exceptional Franchise
o Stable
o Premier Markets
o Low Risk
o Positive Outlook
o Solid Organic Growth
o Positive Earnings Trend
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....AND IT"S JUST 50 MILES AWAY!
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