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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

4.51%Q3 ’093.91%Q3 ’104.15%Q3 ’11-1%+21%

Non-interest income vs. expense

3.13%Q3 ’097.22%Q3 ’105.58%Q3 ’11+108%-13%

Executive Summary

  • Earnings: ROA of -1.40%, up 315 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.97%.
  • Funding: loans stand at 51.09% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

-1.40%+315 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+60 bps YoY

Efficiency Ratio (quarter, annualized)

135.12%-2,802 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-4.55%-24.98%-2.09%-16.76%-1.40%+315 bps
Return on Equity-48.50%-397%-60.94%-764%-427%-37,838 bps
Net Interest Margin2.85%2.41%2.96%3.34%3.45%+60 bps
Efficiency Ratio163.14%626%146.97%n/a135.12%-2,802 bps
Non-Interest Burden5.64%25.85%4.57%13.07%4.91%-74 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 / Loans3.59%11.45%6.03%71.58%-0.97%-455 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