I'm somewhat familiar with the area, and 12-13MPG is rather low. I assume you have a manual since you are quoting the 22MPG city EPA number, and you keep the auto-stop on? Even with the M240i manual, the worst I did was 19MPG on a 90% city tank in that area - I guess a 100% city tank could have been 17-18MPG. That one I averaged 17.5 miles per hour. Knowing your average speed/MPH for the tank can also help, and shift earlier/when the light is on if you drive a manual will help too.
Unless the car is showing other symptoms though, it's basically impossible to say that something is wrong.
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