Emigrant Bank in city_name, state_name - Detailed Financial Reports, Location

Emigrant Bank in New York, New York (NY)
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Emigrant Bank routing number info

Emigrant Bank - Overview

General
FDIC Certificate #: 12054
Status: Active
Federal Reserve ID: 137915
Bank Holding Company (Regulatory Top Holder): New York Private Bank & Trust Corporation (RSSDID: 3212091, Location: New York, NY)
Date Established: September 30, 1850
WWW: http://www.emigrant.com
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 7209
FDIC's unique #: 7666
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 29, 2010
Last Structure Change Process Date: December 22, 2010
Last Data Update: December 22, 2010
Data Source Date: April 05, 2012
Location
Address: 5 East 42nd Street, New York, NY 10017
County: New York
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: New York City
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): New York, NY (#5600)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of Changes
Office Purchased
Financial Summary
Total assets: $7,965.6 mil
Equity capital: $1,024.6 mil
Deposits held in domestic offices: $6,007.7 mil
Return on assets (ROA): 0.60% ($47.8 mil)
Quarterly return on assets: 2.11% ($168.1 mil)
Return on Equity (ROE): 5.01% ($51.4 mil)
Quarterly return on equity: 16.84% ($172.6 mil)
Net income: $50.3 mil
Quarterly Net income: $42.4 mil
Pretax return on assets: 1.12% ($89,214.6 mil)
Quarterly Pretax return on assets: 3.86% ($307,471.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
572Total employees (full-time equivalent)
$7,965,593Total assets
$715,288Cash and due from depository institutions
$698,647Interest-bearing balances
$2,504,592Securities
$227,526Federal funds sold & reverse repurchase agreements
$3,577,151Net loans & leases
$84,479Loan loss allowance
$72,965Trading account assets
$85,445Bank premises and fixed assets
$61,703Other real estate owned
$5,285Goodwill and other intangibles
$7,965,593Life insurance assets
$715,638All other assets
$6,922,493Total liabilities and capital
$6,007,714Total liabilities
$5,693,620Total deposits
$6,007,714Interest-bearing deposits
$96Deposits held in domestic offices
588500.00%% insured (estimated)
$225,953Federal funds purchased & repurchase agreements
$50,000Trading liabilities
$0Other borrowed funds
$50,326Subordinated debt
$1,043,100All other liabilities
$1,024,588Total equity capital
$1,024,588Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$804,749Surplus
$219,838Undivided profits
Memoranda
$18,512Noncurrent loans and leases
$5,343Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$340,832Income earned, not collected on loans
$0Earning assets
$27,338Long-term assets (5+ years)
$7,080,881Average Assets, year-to-date
$929,475Average Assets, quarterly
$8,321,424Volatile liabilities
$8,041,832Insider loans
$4,451,778FHLB advances
$7,480,597Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$956,625Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$152,805Restructured Loans and leases
$568Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$257,062Total interest income
$66,261Total interest expense
$190,801Net interest income
-$1,229Provision for loan and lease losses
$56,309Total noninterest income
$398Fiduciary activities
$728Service charges on deposit accounts
-$27,570Trading account gains & fees
$82,753Additional noninterest income
$158,429Total noninterest expense
$95,791Salaries and employee benefits
$19,185Premises and equipment expense
$43,453Additional noninterest expense
$89,910Pre-tax net operating income
$13,881Securities gains (losses)
$42,648Applicable income taxes
$61,143Income before extraordinary items
$0Extraordinary gains - net
$50,313Net income attributable to bank
$10,830Net charge-offs
$61,143Cash dividends
$11,486Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.46%Yield on earning assets
0.89%Cost of funding earning assets
2.57%Net interest margin
0.76%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
0.63%Net operating income to assets
0.60%Return on assets (ROA)
1.12%Pretax return on assets
5.01%Return on equity (ROE)
5.01%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
-10.70%Credit loss provision to net charge-offs
7.72%Efficiency ratio
63,991Assets per employee
13.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.31%Loss allowance to noncurrent loans
24.79%Noncurrent assets plus other real estate owned to assets
5.05%Noncurrent loans to loans
9.31%Net loans and leases to deposits
59.54%Net loans and leases to core deposits
59.63%Equity capital to assets
12.86%Core capital (leverage) ratio
12.79%Tier 1 risk-based capital ratio
21.49%Total risk-based capital ratio
Memoranda
$23Average assets
$8,321,424Average earning assets
$1,005,123Average equity
$7,438,066Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$133,376Managed Assets
1Number of Accounts
$131,031Personal trust and agency accounts
$32,411Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$98,620Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
68Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$2,345Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7666	Emigrant Bank	5 East 42nd Street, New York, NY 10017	September 30, 1850	Full Service Brick and Mortar
59	443001	Emigrantdirect.Com Branch	13 Croton Avenue, Ossining, NY 10562	January 01, 2005	Full Service Cyber
60	445544	Ossining Branch	13 Croton Avenue, Ossining, NY 10562	November 01, 2005	Full Service Brick and Mortar
61	493825	Dollar Savings Direct Branch	13 Croton Avenue, Ossining, NY 10562	August 01, 2008	Full Service Cyber

Emigrant Bank in New York, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Emigrant Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Emigrant Bank in New York, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

Emigrant Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Emigrant Bank in New York, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches