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International City Bank, National Association

Long Beach, CA · Cert 25648

FDIC · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

International City Bank, National Association

Long Beach, CA · Cert 25648

FDIC · 1 branch

Q3 2021

$513.0MAssets
$174.7MLoans
$311.6MDeposits
$72.0MEquity
Deposit mix
82%Interest-bearing $255.6M18%Noninterest $56.0MQ3 2020Q3 2021

NIM

2.89%Q3 ’192.60%Q3 ’202.46%Q3 ’21+12%+5%

Non-interest income vs. expense

2.89%Q3 ’192.17%Q3 ’202.82%Q3 ’21-5%-106%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.0% share · #75 of 116 inst. · $0.3B of $767.5B

Executive Summary

  • Earnings: ROA of 2.13%, up 246 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.00%, up 19 bps from a year ago.
  • Funding: loans stand at 56.08% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

2.13%+246 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+11 bps YoY

Efficiency Ratio (YTD, annualized)

50.19%-8,222 bps YoY

Tier 1 Leverage Ratio

9.00%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.32%0.45%5.76%2.63%2.13%+246 bps
Return on Equity-2.65%3.59%42.97%19.41%15.60%+1,824 bps
Net Interest Margin2.32%2.35%2.57%2.49%2.43%+11 bps
Efficiency Ratio132.41%85.28%21.91%42.52%50.19%-8,222 bps
Non-Interest Burden2.65%1.82%-5.02%-0.80%-0.16%-281 bps
Growth
Asset Growth (YoY)34.76%24.18%29.29%16.48%16.34%-1,842 bps
Loan Growth (YoY)33.33%26.20%32.28%5.99%8.96%-2,438 bps
Deposit Growth (YoY)36.76%26.39%26.33%6.78%-0.48%-3,724 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.01%0.01%0.00%-2 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%0.00%-0.03%-1 bps
Allowance / Loans1.15%1.19%1.12%1.10%1.11%-4 bps
Allowance Coverage of NPLs49.8x70.2x79.0x90.4xn/an/a
Capital
Tier 1 Leverage Ratio8.82%9.14%8.84%8.95%9.00%+19 bps
Total Risk-Based Capital22.24%22.53%21.73%22.00%21.32%-92 bps
Equity / Assets12.79%13.40%13.42%13.85%14.04%+125 bps
Liquidity & Funding
Loans / Deposits51.22%49.92%48.17%52.79%56.08%+486 bps
Liquid Assets / Assets19.63%19.24%17.89%17.41%17.15%-248 bps
CRE / Total Capitaln/an/an/an/an/an/an/a