SAFE & SOUND® STAR RATINGS™

Financial statement

EMIGRANT BANK
5 E. 42ND STREET
NEW YORK, New York 10017

STAR RATING: 1 star G
Predictive Indicator neutral
As of September 30, 2009
Thrift ID 137915



Financial summary ($ in Thousands)
2009
9 months
2008
Year
2007
Year
Total Assets$13,136,964$11,986,045$10,948,778
Mortgage Loans, Net3,900,6554,280,2735,360,576
Mortgage-Backed Securities2,676,6601,757,667787,079
Investments1,712,8231,564,9502,286,727
Deposits8,875,2038,253,2689,466,063
Borrowings3,327,5382,990,271590,000
Equity804,189641,451801,258
Net Interest Income143,175273,239224,179
Fee Income1,55969,78658,322
Overhead139,192160,437152,700
Net Operating Income-316,721-297,130118,992
Net Income-171,934-225,785112,053
Ratio Analysis Profitability%%%
Return on Assets-2.93-1.970.95
Operating Return on Assets-4.61-2.591.01
Return on Equity-53.55-32.5012.64
Net Interest Margin1.742.561.99
Noninterest Income / Assets-0.130.610.49
Overhead / Assets1.501.401.29
Asset Quality%%%
Nonperforming Assets / Assets6.432.771.74
Nonperforming Assets / Equity & Loss Reserves86.5745.8322.56
1-4 Fam Mtg + MBS / Assets35.5433.2836.71
Commercial Real Estate Loans / Assets12.9313.5314.82
Construction Loans / Assets1.593.574.61
Consumer Loans / Assets0.120.240.01
Capitalization%%%
Equity / Assets6.125.357.32
Tangible Capital / Tangible Assets6.095.327.29
Core Capital / Tangible Assets5.476.038.71
Risk-based Capital Ratio11.9611.0111.63
Liquidity%%%
Loans / Deposits56.6869.9072.37
Cash + Equivalents / Assets19.4114.473.27
Jumbo CDs & Borrowings / Assets26.3225.666.05
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CDs Overnight Averages
Product Yield +/- Last week
6 Mo CD
1.05%
1.07%
1 Yr CD
1.49%
1.53%
5 Yr CD
2.92%
2.96%
1 Yr Jumbo CD
1.31%
1.39%
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