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 December 31, 2013
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$4,725,183$4,452,428$4,288,984
Loans Receivable, Net3,402,8273,208,3283,213,848
Mortgage-Backed Securities749,037695,202749,854
Investments231,183199,07261,895
Deposits3,248,2513,031,3793,133,692
Borrowings982,552924,483658,828
Equity449,580451,190429,353
Net Interest Income149,604156,266154,538
Fee Income9511,0696,276
Overhead78,83479,71576,728
Net Operating Income67,26357,18257,410
Net Income41,45034,8378,175
Ratio Analysis Profitability%%%
Return on Assets *0.910.800.80
Operating Return on Assets *1.471.321.33
Return on Equity *9.307.868.22
Net Interest Margin *3.433.763.78
Fee Income / Assets *0.020.020.15
Overhead / Assets *1.721.831.78
Efficiency Ratio49.7550.254848.00
Asset Quality%%%
Nonperforming Assets / Assets1.152.302.81
Nonperforming Assets / Equity & Loss Reserves11.2621.2126.24
Loss Reserves / Nonperforming Loans64.3933.210.94
1-4 Fam Mtg + MBS / Assets32.9234.7239.21
Commercial Real Estate Loans / Assets49.7048.4748.87
Construction Loans / Assets0.360.681.53
Commercial & Industrial Loans / Assets5.174.502.97
Consumer Loans / Assets0.000.010.01
Capitalization%%%
Equity / Assets9.5110.1310.01
Tangible Capital / Tangible Assets9.259.849.69
Risk-based Capital Ratio15.6315.4315.32
Liquidity%%%
Loans / Deposits104.76105.84102.56
Non-Interest Bearing Deposits / Deposits6.105.21n/a
Purchased Liabilities32.5732.8224.34

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