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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, 2015
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$6,231,977$6,313,353$6,431,976
Loans Receivable, Net4,137,9174,136,7043,882,401
Mortgage-Backed Securities869,411912,3541,184,586
Investments436,863523,944627,947
Deposits4,541,5564,536,2034,852,260
Borrowings542,000662,000535,000
Equity1,062,3841,030,124973,255
Net Interest Income55,901227,058228,979
Fee Income6,45822,44619,096
Overhead49,348201,700235,157
Net Operating Income81,71787,866195,122
Net Income43,60650,702105,346
Ratio Analysis Profitability%%%
Return on Assets *1.390.811.37
Operating Return on Assets *2.511.412.55
Return on Equity *8.375.008.65
Net Interest Margin *3.943.853.23
Fee Income / Assets *0.370.360.25
Overhead / Assets *3.263.233.07
Efficiency Ratio44.0674.7054.40
Asset Quality%%%
Nonperforming Assets / Assets5.385.466.71
Nonperforming Assets / Equity & Loss Reserves29.4731.1540.74
Loss Reserves / Nonperforming Loans27.0826.9622.78
1-4 Fam Mtg + MBS / Assets37.6038.5844.95
Commercial Real Estate Loans / Assets13.5213.9215.03
Construction Loans / Assets3.323.020.70
Commercial & Industrial Loans / Assets25.4823.9617.75
Consumer Loans / Assets0.220.290.07
Capitalization%%%
Equity / Assets17.0516.3215.13
Tangible Capital / Tangible Assets16.8816.1514.96
Risk-based Capital Ratio19.7723.7023.41
Liquidity%%%
Loans / Deposits91.1191.1980.01
Non-Interest Bearing Deposits / Deposits2.012.231.77
Purchased Liabilities9.0110.738.57

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