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Mid City Bank, Inc.

Omaha, NE · Cert 19397

FDIC

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mid City Bank, Inc.

Omaha, NE · Cert 19397

FDIC

Q3 2011

$106.1MAssets
$53.9MLoans
$105.5MDeposits
$298KEquity
Loan mix
42%RE $21.9M54%C&I $27.9M5%Consumer $2.4MQ3 2010Q3 2011
Deposit mix
82%Interest-bearing $86.1M18%Noninterest $19.4MQ3 2010Q3 2011

NIM

4.60%Q3 ’094.09%Q3 ’104.73%Q3 ’11+4%+33%

Non-interest income vs. expense

3.22%Q3 ’094.48%Q3 ’106.27%Q3 ’11+66%+92%

Executive Summary

  • Earnings: ROA of -6.61%, up 130 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 30.80%.
  • Funding: loans stand at 51.09% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.61%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+95 bps YoY

Efficiency Ratio (YTD, annualized)

529%+36,543 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-7.91%-11.96%-2.09%-8.66%-6.61%+130 bps
Return on Equity-70.11%-121.23%-60.94%-337%-311%-24,045 bps
Net Interest Margin2.91%2.91%2.96%3.42%3.86%+95 bps
Efficiency Ratio163.62%626%146.97%n/a529%+36,543 bps
Non-Interest Burden4.65%10.14%4.57%9.24%8.95%+429 bps
Growth
Asset Growth (YoY)-7.76%-20.52%-33.82%-38.90%-48.31%-4,055 bps
Loan Growth (YoY)-7.78%-14.30%-21.18%-36.14%-44.10%-3,632 bps
Deposit Growth (YoY)-2.48%-11.43%-26.59%-32.60%-43.35%-4,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans7.13%8.51%6.03%39.72%30.80%+2,368 bps
Allowance / Loans9.21%16.27%16.74%7.64%9.22%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.98%7.17%7.56%-0.04%-0.68%-1,666 bps
Equity / Assets9.03%3.13%3.80%0.37%0.28%-875 bps
Liquidity & Funding
Loans / Deposits51.78%53.03%60.60%51.11%51.09%-69 bps
Liquid Assets / Assets10.10%18.63%6.53%6.78%1.58%-852 bps
CRE / Total Capitaln/an/an/an/an/an/an/a