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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 neutral
As of December 31, 2014
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$3,619$3,650$3,736
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity3,0693,1283,210
Net Interest Income999
Fee Income000
Overhead126142109
Net Operating Income-117-133-100
Net Income-66-82-56
Ratio Analysis Profitability%%%
Return on Assets *-1.82-2.21-1.49
Operating Return on Assets *-3.23-3.58-2.66
Return on Equity *-2.13-2.59-1.73
Net Interest Margin *0.250.250.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.473.822.90
Efficiency Ratio1400.001577.781211.11
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 / Assets84.8085.7085.92
Tangible Capital / Tangible Assets84.8085.7085.92
Risk-based Capital Ratio424.65423.23430.47
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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