FDIC Certificate #: 18734 Status: Active Federal Reserve ID: 502111 Date Established: April 01, 1963 WWW:http://www.nbnyc.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12245 FDIC's unique #: 12601 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 01, 1963 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: April 20, 2011 Last Data Update: April 20, 2011 Data Source Date: April 05, 2012
Location
Address: 13629 38th Avenue, Flushing, NY 11354 County: Queens Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: New York City Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): New York, NY (#5600) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $225.9 mil Equity capital: $35.8 mil Deposits held in domestic offices: $135.0 mil Return on assets (ROA): 0.41% ($0.9 mil) Quarterly return on assets: -0.36% (-$0.8 mil) Return on Equity (ROE): 2.76% ($1.0 mil) Quarterly return on equity: -2.28% (-$0.8 mil) Net income: $1.0 mil Quarterly Net income: -$0.2 mil Pretax return on assets: 0.44% ($994.1 mil) Quarterly Pretax return on assets: -0.51% (-$1,152.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
28Total employees (full-time equivalent)
$225,936Total assets
$21,857Cash and due from depository institutions
$20,828Interest-bearing balances
$18,285Securities
$0Federal funds sold & reverse repurchase agreements
$180,782Net loans & leases
$3,705Loan loss allowance
$0Trading account assets
$315Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$225,936Life insurance assets
$4,697All other assets
$190,092Total liabilities and capital
$134,982Total liabilities
$111,221Total deposits
$134,982Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$54,000Trading liabilities
$0Other borrowed funds
$1,110Subordinated debt
$35,844All other liabilities
$35,844Total equity capital
$35,844Total bank equity capital
$0Perpetual preferred stock
$840Common stock
$957Surplus
$34,047Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,423Income earned, not collected on loans
$0Earning assets
$903Long-term assets (5+ years)
$219,895Average Assets, year-to-date
$9,553Average Assets, quarterly
$241,366Volatile liabilities
$226,338Insider loans
$183,465FHLB advances
$226,958Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$35,835Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,273Restructured Loans and leases
$4,784Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$12,435Total interest income
$5,614Total interest expense
$6,821Net interest income
$883Provision for loan and lease losses
$63Total noninterest income
$0Fiduciary activities
$48Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$4,944Total noninterest expense
$2,621Salaries and employee benefits
$462Premises and equipment expense
$1,861Additional noninterest expense
$1,057Pre-tax net operating income
$0Securities gains (losses)
$73Applicable income taxes
$984Income before extraordinary items
$0Extraordinary gains - net
$984Net income attributable to bank
$0Net charge-offs
$984Cash dividends
$549Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.31%Yield on earning assets
2.40%Cost of funding earning assets
2.91%Net interest margin
0.03%Noninterest income to earning assets
2.11%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.44%Pretax return on assets
2.76%Return on equity (ROE)
2.76%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
160.84%Credit loss provision to net charge-offs
3.53%Efficiency ratio
71,819Assets per employee
8.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
39.32%Noncurrent assets plus other real estate owned to assets
4.17%Noncurrent loans to loans
5.11%Net loans and leases to deposits
133.93%Net loans and leases to core deposits
211.67%Equity capital to assets
15.86%Core capital (leverage) ratio
15.79%Tier 1 risk-based capital ratio
19.53%Total risk-based capital ratio
Memoranda
$21Average assets
$241,366Average earning assets
$35,592Average equity
$234,326Average loans
List of branches
1 New York Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12601
National Bank Of New York City
13629 38th Avenue, Flushing, NY 11354
April 01, 1963
Full Service Brick and Mortar
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