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Emigrant Bank

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Emigrant Bank Locations

Deposit Rates - June 19, 2021

SAVINGS RATES APY MIN MAX
Savings
0.40% $2,500 $4,999 Compare
CD RATES APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Compare
12 Mo CD
0.60% $10,000 $14,999 Compare
18 Mo CD
0.60% $10,000 $14,999 Compare
24 Mo CD
0.70% $10,000 $14,999 Compare
36 Mo CD
0.75% $10,000 $14,999 Compare
MM RATES APY MIN MAX
Money Market
0.40% $2,500 $2,999 Compare
Money Market
0.40% $10,000 $14,999 Compare
Money Market
0.40% $25,000 $29,999 Compare
INT CHECKING RATES APY MIN MAX
Int Ckg
0.15% $1 $99
Int Ckg
0.25% $2,500 $3,499

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12054
Date Established 1850
Assets $ 6.26 billion
Loans $ 4.19 billion
Deposits $ 4.70 billion
Capital $ 1,277.59 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 966.87 million
Interest-bearing balances $ 948.98 million
Total securities $ 357.76 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 4.19 billion
Loan loss allowance $ 79.73 million
Trading account assets $ 0.15 million
Bank premises and fixed assets N.A.
Other real estate owned $ 8.88 million
Goodwill and other intangibles $ 104.68 million
All other assets $ 513.74 million
     Total Assets $ 4.98 billion

LIABILITIES
Total deposits $ 4.70 billion
      Interest-bearing deposits $ 4.55 billion
      Deposits held in domestic offices $ 4.70 billion
      % insured (estimated) 90.22%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 191.75 million
Subordinated debt N.A.
All other liabilities $ 90.29 millionn
      Total Liabilities $ 4.98 billion
      Shareholders’ Equity $ 1,277.59 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 273.96 million
Total Interest Expense $ 40.33 million
Net interest income $ 233.63 million
Provision for loan and lease losses $ 22.30 million
Total non interest income $ 93.96 million
Total non interest expense $ 202.82 million
Pre-tax Net Operating Income $ 102.47 million

Emigrant Bank is an FDIC insured institution headquartered at 5 East 42nd Street, New York, NY 10017.
It was founded in 1850 and has approximately $6 billion in assets. Customers can open an account at one of its 5 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Emigrant Bank
    Bank
    NEW YORK
    $50,000
    6 Month
    0.40%
    1.49x (National Avg. - 0.27%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 200 140
    2 50,200 201 141
    3 50,401 202 141
    4 50,602 202 142
    5 50,805 203 142
    6 51,008 204 143
    7 51,212 205 143
    8 51,417 206 144
    9 51,623 206 145
    10 51,829 207 145
    11 52,036 208 146
    12 52,245 209 146
    13 52,454 210 147
    14 52,663 211 147
    15 52,874 211 148
    16 53,085 212 149
    17 53,298 213 149
    18 53,511 214 150
    19 53,725 215 150
    20 53,940 216 151
    TOTAL $4,156 $2,909
  • 2
    ONLINE CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    6 Month
    0.35%
    1.30x (National Avg. - 0.27%)
    $25,000
    -
    SCENARIO
    Year Rate
    0.35%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 3
    ONLINE CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    36 Month
    0.75%
    1.20x (National Avg. - 0.62%)
    $25,000
    -
    SCENARIO
    Year Rate
    0.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 375 263
    2 50,375 378 264
    3 50,753 381 266
    4 51,133 384 268
    5 51,517 386 270
    6 51,903 389 272
    7 52,293 392 275
    8 52,685 395 277
    9 53,080 398 279
    10 53,478 401 281
    11 53,879 404 283
    12 54,283 407 285
    13 54,690 410 287
    14 55,101 413 289
    15 55,514 416 291
    16 55,930 419 294
    17 56,350 423 296
    18 56,772 426 298
    19 57,198 429 300
    20 57,627 432 303
    TOTAL $8,059 $5,641
  • 4
    ONLINE CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    48 Month
    0.80%
    1.15x (National Avg. - 0.69%)
    $25,000
    -
    SCENARIO
    Year Rate
    0.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 400 280
    2 50,400 403 282
    3 50,803 406 284
    4 51,210 410 287
    5 51,619 413 289
    6 52,032 416 291
    7 52,449 420 294
    8 52,868 423 296
    9 53,291 426 298
    10 53,717 430 301
    11 54,147 433 303
    12 54,580 437 306
    13 55,017 440 308
    14 55,457 444 311
    15 55,901 447 313
    16 56,348 451 316
    17 56,799 454 318
    18 57,253 458 321
    19 57,711 462 323
    20 58,173 465 326
    TOTAL $8,638 $6,047


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