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 December 31, 2013
Federal Reserve System Identifier 137915




Financial summary ($ in Thousands)
2013
12 months
2012
Year
Total Assets$6,431,976$9,942,296
Loans Receivable, Net3,882,4014,259,441
Mortgage-Backed Securities1,184,5861,802,428
Investments627,947806,861
Deposits4,852,2608,429,559
Borrowings535,00078,500
Equity973,2551,346,696
Net Interest Income228,979255,987
Fee Income19,09612,812
Overhead235,157226,847
Net Operating Income195,12287,051
Net Income105,34686,565
Ratio Analysis Profitability%%
Return on Assets *1.371.05
Operating Return on Assets *2.551.06
Return on Equity *8.658.09
Net Interest Margin *3.233.36
Fee Income / Assets *0.250.16
Overhead / Assets *3.072.75
Efficiency Ratio54.4078.19
Asset Quality%%
Nonperforming Assets / Assets6.715.24
Nonperforming Assets / Equity & Loss Reserves40.7436.32
Loss Reserves / Nonperforming Loans22.7819.20
1-4 Fam Mtg + MBS / Assets44.9538.83
Commercial Real Estate Loans / Assets15.0311.52
Construction Loans / Assets0.700.00
Commercial & Industrial Loans / Assets17.7510.07
Consumer Loans / Assets0.070.45
Capitalization%%
Equity / Assets15.1313.55
Tangible Capital / Tangible Assets14.9613.48
Risk-based Capital Ratio23.4129.45
Liquidity%%
Loans / Deposits80.0150.53
Non-Interest Bearing Deposits / Deposits1.773.56
Purchased Liabilities8.571.33

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