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SAFE & SOUND® STAR RATINGS

FLUSHING BANK

144-51 NORTHERN BOULEVARD
FLUSHING, New York 11354

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$5,276,937$5,082,661$4,725,183
Loans Receivable, Net3,973,9633,785,2773,402,827
Mortgage-Backed Securities713,271700,254749,037
Investments261,487240,169231,183
Deposits3,616,3823,515,5863,248,251
Borrowings1,107,0471,027,721982,552
Equity489,581482,996449,580
Net Interest Income38,656151,554149,604
Fee Income252958951
Overhead25,48689,10978,834
Net Operating Income14,29173,34567,263
Net Income8,77044,10441,450
Ratio Analysis Profitability%%%
Return on Assets *0.870.910.91
Operating Return on Assets *1.421.511.47
Return on Equity *8.899.329.30
Net Interest Margin *3.223.273.43
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.881.841.72
Efficiency Ratio65.2858.0349.75
Asset Quality%%%
Nonperforming Assets / Assets0.710.801.15
Nonperforming Assets / Equity & Loss Reserves7.337.9711.26
Loss Reserves / Nonperforming Loans74.3573.4064.39
1-4 Fam Mtg + MBS / Assets28.3029.0832.92
Commercial Real Estate Loans / Assets54.1753.0949.70
Construction Loans / Assets0.160.220.36
Commercial & Industrial Loans / Assets6.346.035.17
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets9.289.509.51
Tangible Capital / Tangible Assets9.049.259.25
Risk-based Capital Ratio13.7214.6015.63
Liquidity%%%
Loans / Deposits109.89107.67104.76
Non-Interest Bearing Deposits / Deposits6.977.316.10
Purchased Liabilities35.2434.9032.57

* Calculations are based on the latest four quarters of income and expense.
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