PackageTrendsPeer
Letter portraitLegal landscape

New York Commercial Bank

Flushing, NY · Cert 58059

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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 York Commercial Bank

Flushing, NY · Cert 58059

FDIC

Q3 2006

$25.6MAssets
n/aLoans
n/aDeposits
$25.4MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q3 2005Q3 2006

NIM

0.00%Q3 ’052.49%Q3 ’06

Non-interest income vs. expense

0.00%Q3 ’050.03%Q3 ’06

Financial Results

Return on Assets (YTD, annualized)

1.47%+147 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+249 bps YoY

Efficiency Ratio (YTD, annualized)

1.05%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Return on Assets0.00%0.48%1.44%1.45%1.47%+147 bps
Net Interest Margin0.00%0.49%2.48%2.48%2.49%+249 bps
Non-Interest Burden0.00%0.02%0.05%0.04%0.03%+3 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Equity / Assets100.00%99.60%99.75%99.51%99.26%-74 bps
Liquid Assets / Assets0.00%100.00%100.00%100.00%100.00%+10,000 bps