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.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Flushing, NY · Cert 58059

FDIC

Q3 2006

$25.6MAssets

n/aLoans

n/aDeposits

$25.4MEquity

Deposit mix

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.

Metric	Q3 2005	Q4 2005	Q1 2006	Q2 2006	Q3 2006	YoY Δ	Trend
Earnings
Return on Assets	0.00%	0.48%	1.44%	1.45%	1.47%	+147 bps
Return on Equity	n/a	n/a	1.45%	1.46%	1.48%	n/a
Net Interest Margin	0.00%	0.49%	2.48%	2.48%	2.49%	+249 bps
Efficiency Ratio	n/a	3.23%	1.92%	1.59%	1.05%	n/a
Non-Interest Burden	0.00%	0.02%	0.05%	0.04%	0.03%	+3 bps
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	2.36%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	500%	498%	499%	498%	496%	-371 bps
Equity / Assets	100.00%	99.60%	99.75%	99.51%	99.26%	-74 bps
Liquidity & Funding
Loans / Deposits	n/a	0.00%	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	100.00%	100.00%	100.00%	100.00%	+10,000 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a