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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, 2014
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$6,313,353$6,431,976$9,942,296
Loans Receivable, Net4,136,7043,882,4014,259,441
Mortgage-Backed Securities912,3541,184,5861,802,428
Investments523,944627,947806,861
Deposits4,536,2034,852,2608,429,559
Borrowings662,000535,00078,500
Equity1,030,124973,2551,346,696
Net Interest Income227,058228,979255,987
Fee Income22,44619,09612,812
Overhead201,700235,157226,847
Net Operating Income87,866195,12287,051
Net Income50,702105,34686,565
Ratio Analysis Profitability%%%
Return on Assets *0.811.371.05
Operating Return on Assets *1.412.551.06
Return on Equity *5.008.658.09
Net Interest Margin *3.853.233.36
Fee Income / Assets *0.360.250.16
Overhead / Assets *3.233.072.75
Efficiency Ratio74.7054.4078.19
Asset Quality%%%
Nonperforming Assets / Assets5.466.715.24
Nonperforming Assets / Equity & Loss Reserves31.1540.7436.32
Loss Reserves / Nonperforming Loans26.9622.7819.20
1-4 Fam Mtg + MBS / Assets38.5844.9538.83
Commercial Real Estate Loans / Assets13.9215.0311.52
Construction Loans / Assets3.020.700.00
Commercial & Industrial Loans / Assets23.9617.7510.07
Consumer Loans / Assets0.290.070.45
Capitalization%%%
Equity / Assets16.3215.1313.55
Tangible Capital / Tangible Assets16.1514.9613.48
Risk-based Capital Ratio23.7023.4129.45
Liquidity%%%
Loans / Deposits91.1980.0150.53
Non-Interest Bearing Deposits / Deposits2.231.773.56
Purchased Liabilities10.738.571.33

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