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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 September 30, 2014
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$3,601$3,650$3,736
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity3,0923,1283,210
Net Interest Income799
Fee Income000
Overhead84142109
Net Operating Income-77-133-100
Net Income-43-82-56
Ratio Analysis Profitability%%%
Return on Assets *-2.10-2.21-1.49
Operating Return on Assets *-3.41-3.58-2.66
Return on Equity *-2.46-2.59-1.73
Net Interest Margin *0.250.250.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.653.822.90
Efficiency Ratio1200.001577.781211.11
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 / Assets85.8785.7085.92
Tangible Capital / Tangible Assets85.8785.7085.92
Risk-based Capital Ratio422.67423.23430.47
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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