City National Bank (NJ)

900 Broad Street
Newark, NJ 07102
973.624.0865
www.citynatbank.com

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City National Bank (NJ) is headquartered in Newark and is the 60^th largest bank in the state of New Jersey. It is also the 1,981^st largest bank in the nation. It was established in 1973 and as of December of 2012, it had grown to 95 employees at 7 locations. City National Bank (NJ) has a 2-star health rating.

Competitive Long-Term CD Rates at City National Bank in NJ, NY & PA - Local Only - 3/18/2010

City National Bank continues to offer competitive long-term CD rates. The following rates are listed at the bank's rates page as of 3/18/2010: 3.50% APY 5 years and over 3.00% APY 4 years to ...

3.50% 5-year CD and 3.00% 4-year CD Continues at City National Bank in NY, NJ and PA - Local Only (Forum) - 1/19/2010

City National Bank continues to offer competitive long-term CD and IRA rates as of 1/19/2010. Refer to my December review for more details.

3.50% 60-Month CD at City National Bank in NJ, NY & PA - Local Only - 12/23/2009

City National Bank is offering competitive long-term CD rates. The following rates are listed at the bank's rates page as of 12/23/09:3.50% APY 5 years and over3.00% APY 4 years to under 5 years2.50% APY 3 years to under 4 years2.25% APY 2 years to under...

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See Rates for: Checking | Savings | Money Market | CD

City National Bank (NJ) Checking Account Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Personal Super NOW Checking

City National Bank (NJ) Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$20k	Kasasa Saver
0.35%	$20k	-	Statement Saver
0.10%	-	-	Holiday Club

City National Bank (NJ) Money Market Rates

	Apy	Min	Max	Product
	0.70%	$100k	-	Consumer Money Market

City National Bank (NJ) CD Rates

Apy	Min	Max	Product
1.40%	$500	-	5 + Year CD
1.40%	$500	-	Business 5 + Year CD
1.20%	$500	-	4 - 5 Year CD
1.20%	$500	-	Business 4 - 5 Year CD
1.00%	$500	-	3 - 4 Year CD
1.00%	$500	-	Business 3 - 4 Year CD
0.60%	$500	-	2 - 3 Year CD
0.60%	$500	-	Business 2 - 3 Year CD
0.40%	$500	-	1 - 2 Year CD
0.40%	$500	-	Business 1 - 2 Year CD
0.30%	$500	-	182 - 364 Day CD
0.30%	$500	-	Business 182 - 364 Day CD
0.20%	$500	-	91 - 181 Day CD
0.20%	$500	-	Business 91 - 181 Day CD
0.15%	$500	-	90 Day or less CD
0.15%	$500	-	Business 90 Day or less CD

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

City National Bank of New Jersey
FDIC Certificate #	21111
BankRate Report	View
Year Established	1973
Employees	95
Primary Regulator	OCC
Assets and Liabilities
Assets	$331.13 million
Loans	$164.62 million
Deposits	$295.68 million
Equity Capital	$22.85 million
Loan Loss Allowance	$9.76 million
Unbacked Noncurrent Loans	$36.22 million
Real Estate Owned	$2.17 million
Historic Data - December 2011
Assets	$358.43 million
Equity Capital	$28.83 million
Loan Loss Allowance	$10.87 million
Unbacked Noncurrent Loans	$42.15 million
Real Estate Owned	$1.52 million
Profit Margin - Quarterly
Net Interest Margin	2.69%
Return on Assets	-1.6%
Return on Equity	-20.69%
Interest Income	$12.17 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 City National Bank (NJ) had $38.39 million in non-current loans and owned real-estate with $32.61 million in equity and loan loss allowances on hand to cover it. This gives City National Bank (NJ) a Texas Ratio of 117.72% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for City National Bank (NJ) held steady from 110.14% as of December 31, 2011 to 117.72% as of December 31, 2012, resulting in a negative change of 6.88%. This indicates that the balance sheet and financial strength for City National Bank (NJ) has held steady in recent periods.
Deposit Growth
In the past year, City National Bank (NJ) has decreased its total deposits by -$3.62 million, resulting in -1.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth City National Bank (NJ) has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. City National Bank (NJ) has $331.13 million in assets with $32.61 million in equity, resulting in a capitalization level of 9.85%, which is average.

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City National Bank (NJ)

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