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SAFE & SOUND® STAR RATINGS

EMIGRANT BANK

5 E. 42ND STREET
NEW YORK, New York 10017

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$6,651,576$6,773,763$6,313,353
Loans Receivable, Net4,093,9824,064,7224,136,704
Mortgage-Backed Securities1,075,985941,328912,354
Investments375,062361,077523,944
Deposits5,408,1845,542,0274,536,203
Borrowings40,00046,000662,000
Equity1,108,2091,092,2071,030,124
Net Interest Income56,378222,014227,058
Fee Income7,07525,92622,446
Overhead52,211217,509201,700
Net Operating Income11,810147,97787,866
Net Income7,55184,93850,702
Ratio Analysis Profitability%%%
Return on Assets *0.761.350.81
Operating Return on Assets *1.212.351.41
Return on Equity *4.487.875.00
Net Interest Margin *3.663.733.85
Fee Income / Assets *0.410.410.36
Overhead / Assets *3.433.453.23
Efficiency Ratio78.7563.3474.70
Asset Quality%%%
Nonperforming Assets / Assets4.394.235.46
Nonperforming Assets / Equity & Loss Reserves24.6424.5431.15
Loss Reserves / Nonperforming Loans32.1532.5726.96
1-4 Fam Mtg + MBS / Assets36.2033.8638.58
Commercial Real Estate Loans / Assets11.8011.1713.92
Construction Loans / Assets2.552.393.02
Commercial & Industrial Loans / Assets26.5525.8423.96
Consumer Loans / Assets0.300.270.29
Capitalization%%%
Equity / Assets16.6616.1216.32
Tangible Capital / Tangible Assets16.4715.9316.15
Risk-based Capital Ratio20.8521.6323.70
Liquidity%%%
Loans / Deposits75.7073.3491.19
Non-Interest Bearing Deposits / Deposits1.832.542.23
Purchased Liabilities0.810.9310.73

* Calculations are based on the latest four quarters of income and expense.
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