Bank of Napa, N.A. (OTCBB:BNNP) announced its second quarter 2010 financial results, which included the first profitable quarter in the bank's history. Net income in the second quarter of 2010 was $57,000, a substantial improvement over second quarter 2009 loss of $136,000.

The bank's total deposits at June 30, 2010 were $72.8 million, an increase from the second quarter of 2009 of $17.8 million. Loan totals at June 30, 2010 were $67.2 million, an increase of $12.9 million from the same quarter last year.

Through the first six months of 2010 Bank of Napa, which opened for business on August 14, 2006, posted a net loss of $37,000, a $295,000 improvement over the first half of 2009.

At June 30, 2010, Bank of Napa had total assets of $89.5 million, representing a $17.6 million or 24.5% increase over the same period last year.

President and Chief Executive Officer Tom LeMasters stated, ?We are pleased to attain profitability in these challenging economic times, and will continue to focus on producing consistent and conservative balance sheet growth.?

At June 30, 2010, the bank had equity capital of $16.5 million, and all capital ratios were in excess of the regulatory definition for ?well capitalized? distinction.

(000 OMITTED)             June 30, 2010             June 30, 2009             $ Increase
Total Assets $89,539 $71,928 $17,611
Total Loans $67,170 $54,279 $12,891
Total Deposits $72,775 $54,983 $17,792
     

Bank of Napa, N.A. is located at the corner of Redwood Road and Solano Avenue at 2007 Redwood Road, Suite 101 in the Redwood Plaza near Vallerga's Market in Napa, CA.

Information contained herein may contain certain forward-looking statements that are based on management's current expectations regarding economic, legislative, and regulatory issues that may impact the Bank's earnings in future periods. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words ?believe,? ?expect,? ?intend,? ?estimate? or words of similar meaning, or future or conditional verbs such as ?will,? ?would,? ?should,? ?could? or ?may.? Factors that could cause future results to vary materially from current management expectations include, but are not limited to, general economic conditions, changes in interest rates, deposit flows, real estate values, and competition; changes in accounting principles, policies or guidelines; changes in legislation or regulation; and other economic, competitive, governmental, regulatory and technological factors affecting the Bank's operations, pricing, products and services. The Bank undertakes no obligation to release publicly the result of any revisions to these forward-looking statements that may be made to reflect events or circumstances after the date of this press release or to reflect the occurrence of unanticipated events.

Bank of Napa, N.A.
M. T. LeMasters, President & CEO, 707-257-7777