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New City Bank

Chicago, IL · Cert 57597

FDIC

Q4 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: Q4 2011, the quarter ended December 31, 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

New City Bank

Chicago, IL · Cert 57597

FDIC

Q4 2011

$71.2MAssets
$42.2MLoans
$72.4MDeposits
$-1801KEquity
Loan mix
85%RE $30.7M12%C&I $4.3M3%Consumer $1.0MQ4 2010Q4 2011
Deposit mix
97%Interest-bearing $70.1M3%Noninterest $2.3MQ4 2010Q4 2011

NIM

5.63%Q4 ’095.81%Q4 ’105.28%Q4 ’11+41%-4%

Non-interest income vs. expense

2.05%Q4 ’092.68%Q4 ’103.76%Q4 ’11+8%+71%

Executive Summary

  • Earnings: ROA of -11.15%, down 843 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.17%.
  • Funding: loans stand at 58.30% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-11.15%-843 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-15 bps YoY

Efficiency Ratio (YTD, annualized)

151.50%+8,022 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-2.72%-3.72%-5.18%-8.85%-11.15%-843 bps
Return on Equity-30.97%-49.83%-73.89%-148.45%-248%-21,709 bps
Net Interest Margin4.18%4.25%4.10%3.93%4.03%-15 bps
Efficiency Ratio71.28%63.71%66.08%88.99%151.50%+8,022 bps
Non-Interest Burden3.10%2.64%2.52%3.55%5.31%+221 bps
Growth
Asset Growth (YoY)-7.21%-12.62%-14.48%-22.37%-22.33%-1,512 bps
Loan Growth (YoY)-11.27%-14.54%-15.82%-25.23%-27.30%-1,603 bps
Deposit Growth (YoY)-6.16%-10.99%-11.32%-17.34%-13.81%-765 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.41%-0.22%-0.16%5.67%11.17%+576 bps
Allowance / Loans3.90%6.25%9.99%13.78%13.79%+990 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 Capital12.83%12.12%9.99%4.88%-3.91%-1,674 bps
Equity / Assets7.81%7.12%6.02%2.31%-2.53%-1,034 bps
Liquidity & Funding
Loans / Deposits69.12%68.46%68.13%61.68%58.30%-1,082 bps
Liquid Assets / Assets19.84%20.88%22.23%22.61%28.48%+865 bps
CRE / Total Capitaln/an/an/an/an/an/an/a