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SAFE & SOUND® STAR RATINGS

EMIGRANT MERCANTILE BANK

6 EAST 43RD STREET
NEW YORK, New York 10017

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of March 31, 2016
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$3,493$3,510$3,619
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity2,9933,0013,069
Net Interest Income199
Fee Income000
Overhead14117126
Net Operating Income-13-108-117
Net Income-8-68-66
Ratio Analysis Profitability%%%
Return on Assets *-1.67-1.91-1.82
Operating Return on Assets *-2.60-3.03-3.23
Return on Equity *-1.96-2.25-2.13
Net Interest Margin *0.200.260.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *2.803.293.47
Efficiency Ratio1400.001300.001400.00
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets85.6985.5084.80
Tangible Capital / Tangible Assets85.6985.5084.80
Risk-based Capital Ratio430.55429.66424.65
Liquidity%%%
Loans / Deposits0.000.000.00
Non-Interest Bearing Deposits / Deposits100.00100.00100.00
Purchased Liabilities0.000.000.00

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