SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 2 starstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$6,344,154$6,431,976$9,942,296
Loans Receivable, Net3,918,1663,882,4014,259,441
Mortgage-Backed Securities1,022,4901,184,5861,802,428
Investments638,323627,947806,861
Deposits4,695,4464,852,2608,429,559
Borrowings557,000535,00078,500
Equity1,011,710973,2551,346,696
Net Interest Income113,120228,979255,987
Fee Income11,34419,09612,812
Overhead99,275235,157226,847
Net Operating Income42,737195,12287,051
Net Income24,283105,34686,565
Ratio Analysis Profitability%%%
Return on Assets *-0.521.371.05
Operating Return on Assets *-0.832.551.06
Return on Equity *-3.388.658.09
Net Interest Margin *3.673.233.36
Fee Income / Assets *0.330.250.16
Overhead / Assets *3.403.072.75
Efficiency Ratio78.1454.4078.19
Asset Quality%%%
Nonperforming Assets / Assets5.886.715.24
Nonperforming Assets / Equity & Loss Reserves34.1540.7436.32
Loss Reserves / Nonperforming Loans25.3022.7819.20
1-4 Fam Mtg + MBS / Assets41.6944.9538.83
Commercial Real Estate Loans / Assets13.8215.0311.52
Construction Loans / Assets2.210.700.00
Commercial & Industrial Loans / Assets19.9417.7510.07
Consumer Loans / Assets0.150.070.45
Capitalization%%%
Equity / Assets15.9515.1313.55
Tangible Capital / Tangible Assets15.7714.9613.48
Risk-based Capital Ratio24.1523.4129.45
Liquidity%%%
Loans / Deposits83.4580.0150.53
Non-Interest Bearing Deposits / Deposits2.301.773.56
Purchased Liabilities9.048.571.33

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