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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 September 30, 2015
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$6,612,327$6,313,353$6,431,976
Loans Receivable, Net3,979,9144,136,7043,882,401
Mortgage-Backed Securities779,013912,3541,184,586
Investments385,845523,944627,947
Deposits5,361,0484,536,2034,852,260
Borrowings46,000662,000535,000
Equity1,091,3911,030,124973,255
Net Interest Income166,602227,058228,979
Fee Income19,68622,44619,096
Overhead158,189201,700235,157
Net Operating Income139,56687,866195,122
Net Income77,57250,702105,346
Ratio Analysis Profitability%%%
Return on Assets *1.580.811.37
Operating Return on Assets *2.851.412.55
Return on Equity *9.095.008.65
Net Interest Margin *3.823.853.23
Fee Income / Assets *0.410.360.25
Overhead / Assets *3.493.233.07
Efficiency Ratio56.7874.7054.40
Asset Quality%%%
Nonperforming Assets / Assets4.585.466.71
Nonperforming Assets / Equity & Loss Reserves25.9331.1540.74
Loss Reserves / Nonperforming Loans31.6326.9622.78
1-4 Fam Mtg + MBS / Assets32.5738.5844.95
Commercial Real Estate Loans / Assets11.2213.9215.03
Construction Loans / Assets3.393.020.70
Commercial & Industrial Loans / Assets24.3223.9617.75
Consumer Loans / Assets0.220.290.07
Capitalization%%%
Equity / Assets16.5116.3215.13
Tangible Capital / Tangible Assets16.3516.1514.96
Risk-based Capital Ratio21.8223.7023.41
Liquidity%%%
Loans / Deposits74.2491.1980.01
Non-Interest Bearing Deposits / Deposits1.972.231.77
Purchased Liabilities0.9710.738.57

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