FDIC Certificate #: 57834 Status: Active Federal Reserve ID: 3268173 Bank Holding Company (Regulatory Top Holder): New York Private Bank & Trust Corporation (RSSDID: 3212091, Location: New York, NY) Date Established: July 09, 2004 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 427703 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: July 09, 2004 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 6 East 43rd 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $3.8 mil Equity capital: $3.3 mil Deposits held in domestic offices: $0.5 mil Return on assets (ROA): -1.70% (-$0.1 mil) Quarterly return on assets: -1.68% (-$0.1 mil) Return on Equity (ROE): -1.97% (-$0.1 mil) Quarterly return on equity: -1.95% (-$0.1 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -3.06% (-$116.2 mil) Quarterly Pretax return on assets: -3.05% (-$115.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
0Total employees (full-time equivalent)
$3,797Total assets
$3,638Cash and due from depository institutions
$3,599Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$3,797Life insurance assets
$159All other assets
$531Total liabilities and capital
$500Total liabilities
$0Total deposits
$500Interest-bearing deposits
$50Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$31Subordinated debt
$3,266All other liabilities
$3,266Total equity capital
$3,266Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$3,000Surplus
$-734Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$3,599Average Assets, year-to-date
$0Average Assets, quarterly
$3,828Volatile liabilities
$3,805Insider loans
$881FHLB advances
$3,789Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,266Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9Total interest income
$0Total interest expense
$9Net interest income
$0Provision for loan and lease losses
$0Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$126Total noninterest expense
$0Salaries and employee benefits
$0Premises and equipment expense
$126Additional noninterest expense
-$117Pre-tax net operating income
$0Securities gains (losses)
-$52Applicable income taxes
-$65Income before extraordinary items
$0Extraordinary gains - net
-$65Net income attributable to bank
$0Net charge-offs
-$65Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.25%Yield on earning assets
0.00%Cost of funding earning assets
0.25%Net interest margin
0.00%Noninterest income to earning assets
3.45%Noninterest expense to earning assets
-1.70%Net operating income to assets
-1.70%Return on assets (ROA)
-3.06%Pretax return on assets
-1.97%Return on equity (ROE)
-1.97%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
1,400,000Assets per employee
0.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
86.02%Core capital (leverage) ratio
86.20%Tier 1 risk-based capital ratio
370.72%Total risk-based capital ratio
Memoranda
$371Average assets
$3,828Average earning assets
$3,299Average equity
$3,654Average loans
List of branches
1 New York Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
427703
Emigrant Mercantile Bank
6 East 43rd Street, New York, NY 10017
July 09, 2004
Full Service Brick and Mortar
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