SAFE & SOUND® STAR RATINGS

Financial statement

FLUSHING BANK
144-51 NORTHERN BOULEVARD
FLUSHING, New York 11354

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$4,857,510$4,725,183$4,452,428
Loans Receivable, Net3,503,3023,402,8273,208,328
Mortgage-Backed Securities765,364749,037695,202
Investments254,127231,183199,072
Deposits3,257,6333,248,2513,031,379
Borrowings1,082,814982,552924,483
Equity474,287449,580451,190
Net Interest Income75,251149,604156,266
Fee Income4359511,069
Overhead41,82378,83479,715
Net Operating Income36,99667,26357,182
Net Income21,93641,45034,837
Ratio Analysis Profitability%%%
Return on Assets *0.960.910.80
Operating Return on Assets *1.571.471.32
Return on Equity *9.939.307.86
Net Interest Margin *3.353.433.76
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.671.721.83
Efficiency Ratio54.5949.7550.25
Asset Quality%%%
Nonperforming Assets / Assets0.981.152.30
Nonperforming Assets / Equity & Loss Reserves9.4411.2621.21
Loss Reserves / Nonperforming Loans63.3164.3933.21
1-4 Fam Mtg + MBS / Assets32.0432.9234.72
Commercial Real Estate Loans / Assets50.1149.7048.47
Construction Loans / Assets0.330.360.68
Commercial & Industrial Loans / Assets5.645.174.50
Consumer Loans / Assets0.000.000.01
Capitalization%%%
Equity / Assets9.769.5110.13
Tangible Capital / Tangible Assets9.509.259.84
Risk-based Capital Ratio15.0215.6315.43
Liquidity%%%
Loans / Deposits107.54104.76105.84
Non-Interest Bearing Deposits / Deposits6.626.105.21
Purchased Liabilities34.9032.5732.82

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