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 December 31, 2013
Federal Reserve System Identifier 3268173




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$3,650$3,736$3,797
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments000
Deposits500500500
Borrowings000
Equity3,1283,2103,266
Net Interest Income999
Fee Income000
Overhead142109126
Net Operating Income-133-100-117
Net Income-82-56-65
Ratio Analysis Profitability%%%
Return on Assets *-2.21-1.49-1.70
Operating Return on Assets *-3.58-2.66-3.06
Return on Equity *-2.59-1.73-1.98
Net Interest Margin *0.250.250.25
Fee Income / Assets *0.000.000.00
Overhead / Assets *3.822.903.30
Efficiency Ratio1577.781211.111400.00
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 / Assets85.7085.9286.02
Tangible Capital / Tangible Assets85.7085.9286.02
Risk-based Capital Ratio423.23430.47370.72
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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