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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 December 31, 2015
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$6,773,763$6,313,353$6,431,976
Loans Receivable, Net4,064,7224,136,7043,882,401
Mortgage-Backed Securities941,328912,3541,184,586
Investments361,077523,944627,947
Deposits5,542,0274,536,2034,852,260
Borrowings46,000662,000535,000
Equity1,092,2071,030,124973,255
Net Interest Income222,014227,058228,979
Fee Income25,92622,44619,096
Overhead217,509201,700235,157
Net Operating Income147,97787,866195,122
Net Income84,93850,702105,346
Ratio Analysis Profitability%%%
Return on Assets *1.350.811.37
Operating Return on Assets *2.351.412.55
Return on Equity *7.875.008.65
Net Interest Margin *3.733.853.23
Fee Income / Assets *0.410.360.25
Overhead / Assets *3.453.233.07
Efficiency Ratio63.3474.7054.40
Asset Quality%%%
Nonperforming Assets / Assets4.235.466.71
Nonperforming Assets / Equity & Loss Reserves24.5431.1540.74
Loss Reserves / Nonperforming Loans32.5726.9622.78
1-4 Fam Mtg + MBS / Assets33.8638.5844.95
Commercial Real Estate Loans / Assets11.1713.9215.03
Construction Loans / Assets2.393.020.70
Commercial & Industrial Loans / Assets25.8423.9617.75
Consumer Loans / Assets0.270.290.07
Capitalization%%%
Equity / Assets16.1216.3215.13
Tangible Capital / Tangible Assets15.9316.1514.96
Risk-based Capital Ratio21.6323.7023.41
Liquidity%%%
Loans / Deposits73.3491.1980.01
Non-Interest Bearing Deposits / Deposits2.542.231.77
Purchased Liabilities0.9310.738.57

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