SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$6,467,426$6,431,976$9,942,296
Loans Receivable, Net3,986,8613,882,4014,259,441
Mortgage-Backed Securities1,096,2941,184,5861,802,428
Investments656,483627,947806,861
Deposits4,814,4744,852,2608,429,559
Borrowings580,000535,00078,500
Equity995,299973,2551,346,696
Net Interest Income53,162228,979255,987
Fee Income5,73119,09612,812
Overhead48,762235,157226,847
Net Operating Income13,899195,12287,051
Net Income8,040105,34686,565
Ratio Analysis Profitability%%%
Return on Assets *1.531.371.05
Operating Return on Assets *2.812.551.06
Return on Equity *9.258.658.09
Net Interest Margin *3.573.233.36
Fee Income / Assets *0.300.250.16
Overhead / Assets *3.383.072.75
Efficiency Ratio76.5954.4078.19
Asset Quality%%%
Nonperforming Assets / Assets6.466.715.24
Nonperforming Assets / Equity & Loss Reserves38.6340.7436.32
Loss Reserves / Nonperforming Loans23.6822.7819.20
1-4 Fam Mtg + MBS / Assets42.7244.9538.83
Commercial Real Estate Loans / Assets15.2215.0311.52
Construction Loans / Assets1.540.700.00
Commercial & Industrial Loans / Assets19.0217.7510.07
Consumer Loans / Assets0.110.070.45
Capitalization%%%
Equity / Assets15.3915.1313.55
Tangible Capital / Tangible Assets15.2214.9613.48
Risk-based Capital Ratio23.4023.4129.45
Liquidity%%%
Loans / Deposits82.8180.0150.53
Non-Interest Bearing Deposits / Deposits1.761.773.56
Purchased Liabilities9.238.571.33

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