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SAFE & SOUND® STAR RATINGS

EMIGRANT BANK

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

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$6,272,500$6,431,976$9,942,296
Loans Receivable, Net3,917,4833,882,4014,259,441
Mortgage-Backed Securities963,8081,184,5861,802,428
Investments581,851627,947806,861
Deposits4,561,3804,852,2608,429,559
Borrowings577,000535,00078,500
Equity1,020,116973,2551,346,696
Net Interest Income170,634228,979255,987
Fee Income16,79519,09612,812
Overhead145,923235,157226,847
Net Operating Income52,746195,12287,051
Net Income31,536105,34686,565
Ratio Analysis Profitability%%%
Return on Assets *-0.521.371.05
Operating Return on Assets *-0.862.551.06
Return on Equity *-3.428.658.09
Net Interest Margin *3.233.233.36
Fee Income / Assets *0.310.250.16
Overhead / Assets *3.013.072.75
Efficiency Ratio73.7954.4078.19
Asset Quality%%%
Nonperforming Assets / Assets5.696.715.24
Nonperforming Assets / Equity & Loss Reserves32.4040.7436.32
Loss Reserves / Nonperforming Loans27.1622.7819.20
1-4 Fam Mtg + MBS / Assets40.1744.9538.83
Commercial Real Estate Loans / Assets14.1815.0311.52
Construction Loans / Assets2.540.700.00
Commercial & Industrial Loans / Assets20.6717.7510.07
Consumer Loans / Assets0.200.070.45
Capitalization%%%
Equity / Assets16.2615.1313.55
Tangible Capital / Tangible Assets16.0914.9613.48
Risk-based Capital Ratio24.5823.4129.45
Liquidity%%%
Loans / Deposits85.8880.0150.53
Non-Interest Bearing Deposits / Deposits1.911.773.56
Purchased Liabilities9.458.571.33

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