EX-99 3 p19926_ex99.txt REFERENCE TO PDF FILE (EXHIBIT 99.1) NASDAQ: NBAN [North Bay B A N C O R P LOGO OMITTED] West Coast Super Community Bank Conference September 7, 2006 Presenter: Terry L. Robinson, President & CEO -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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. -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] DIRECTORS ======================================= ======================================== David B. Gaw Conrad W. Hewitt Chairman, Attorney Former California Superintendent, DFI Former Managing Partner, Ernst & Young Resigned effective August 15, 2006 ======================================= ======================================== Richard S. Long Thomas Shelton Vice Chairman, CEO Regulus Group, LLC President & CEO, Joseph Phelps Vineyards ======================================= ======================================== Thomas N. Gavin Stephen C. Spencer Financial Planning Commercial Real Estate ======================================= ======================================== Fred J. Hearn, Jr. Denise C. Suihkonen CEO, Hearn Pacific Corporation Certified Public Accountant ======================================= ======================================== Thomas F. Malloy James E. Tidgewell Insurance Certified Public Accountant ======================================= ======================================== -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] EXECUTIVE MANAGEMENT ======================================= ======================================== Terry L. Robinson Virginia Robbins President & CEO since 1988 Executive Vice President Chief Operating Officer Joined in 2006 ======================================= ======================================== Glen C. Terry Michael W. Wengel President, The Vintage Bank Executive Vice President Joined in 1999 Chief Financial Officer Joined in 2006 ======================================= ======================================== John Nerland Stephanie Rode Senior Executive Vice President, Senior Vice President Chief Credit Officer Risk Management Joined in 2002 Joined in 2003 ======================================= ======================================== -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] AREA WE SERVE [MAP OF CALIFORNIA OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] SOLANO COUNTY DEPOSIT MARKET SHARE [PIE CHART OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] NAPA COUNTY DEPOSIT MARKET SHARE [PIE CHART OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] TOTAL DEPOSITS June 30, 2005 June 30, 2006 $510 Million $482 Million [PIE CHART OMITTED] [PIE CHART OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] The Vintage Bank LOGO SOLANO BANK A Division of The Vintage Bank -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] NON-PERFORMING ASSETS/TOTAL ASSETS [GRAPHIC OMITTES] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] WHY STELLER ASSET QUALITY? o Credit Culture o Consistent Underwriting o Relationship Banking o Lend within our Markets o Lend within Industries we Understand -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] LOAN PORTFOLIO June 30, 2005 June 30, 2006 $434 Million $450 Million -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] A HISTORICAL PERSPECTIVE [PICTURE OF A CLOCK OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] TOTAL ASSETS [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] NET INCOME [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] RETURN ON AVERAGE ASSETS [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] RETURN ON AVERAGE EQUITY [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] ANNUAL OPERATING EFFICIENCY [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] EARNINGS PER SHARE [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] MARKET CAPITALIZATION [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] STOCK PERFORMANCE [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] RISK PROFILE [PICTURE OMITTED] [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] WHAT'S NEXT [GRAPHIC OMITTED] -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] 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 -------------------------------------------------------------------------------- [North Bay B A N C O R P LOGO & NAPA VINEYARDS BACKGROUND OMITTED] ...AND IT"S JUST 50 MILES AWAY! 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