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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 December 31, 2015
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$3,510$3,619$3,650
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity3,0013,0693,128
Net Interest Income999
Fee Income000
Overhead117126142
Net Operating Income-108-117-133
Net Income-68-66-82
Ratio Analysis Profitability%%%
Return on Assets *-1.91-1.82-2.21
Operating Return on Assets *-3.03-3.23-3.58
Return on Equity *-2.25-2.13-2.59
Net Interest Margin *0.260.250.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.293.473.82
Efficiency Ratio1300.001400.001577.78
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 / Assets85.5084.8085.70
Tangible Capital / Tangible Assets85.5084.8085.70
Risk-based Capital Ratio429.66424.65423.23
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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