SAFE & SOUND® STAR RATINGS

Financial statement

EMIGRANT MERCANTILE BANK
6 EAST 43RD STREET
NEW YORK, New York 10017

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$3,670$3,650$3,736
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity3,1213,1283,210
Net Interest Income299
Fee Income000
Overhead27142109
Net Operating Income-25-133-100
Net Income-14-82-56
Ratio Analysis Profitability%%%
Return on Assets *-2.22-2.21-1.49
Operating Return on Assets *-3.59-3.58-2.66
Return on Equity *-2.61-2.59-1.73
Net Interest Margin *0.250.250.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.843.822.90
Efficiency Ratio1350.001577.781211.11
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 / Assets85.0485.7085.92
Tangible Capital / Tangible Assets85.0485.7085.92
Risk-based Capital Ratio409.14423.23430.47
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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