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SAFE & SOUND® STAR RATINGS

FLUSHING BANK

260E RXR PLAZA
Uniondale, New York 11556

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of September 30, 2015
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$5,508,380$5,082,661$4,725,183
Loans Receivable, Net4,177,9763,785,2773,402,827
Mortgage-Backed Securities686,219700,254749,037
Investments296,182240,169231,183
Deposits3,730,5873,515,5863,248,251
Borrowings1,208,0861,027,721982,552
Equity502,288482,996449,580
Net Interest Income118,116151,554149,604
Fee Income766958951
Overhead70,90389,10978,834
Net Operating Income57,84673,34567,263
Net Income35,62444,10441,450
Ratio Analysis Profitability%%%
Return on Assets *0.890.910.91
Operating Return on Assets *1.451.511.47
Return on Equity *9.419.329.30
Net Interest Margin *3.223.273.43
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.871.841.72
Efficiency Ratio55.8558.0349.75
Asset Quality%%%
Nonperforming Assets / Assets0.610.801.15
Nonperforming Assets / Equity & Loss Reserves6.357.9711.26
Loss Reserves / Nonperforming Loans80.5473.4064.39
1-4 Fam Mtg + MBS / Assets26.5429.0832.92
Commercial Real Estate Loans / Assets55.7053.0949.70
Construction Loans / Assets0.200.220.36
Commercial & Industrial Loans / Assets6.006.035.17
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets9.129.509.51
Tangible Capital / Tangible Assets8.899.259.25
Risk-based Capital Ratio13.4714.6015.63
Liquidity%%%
Loans / Deposits111.99107.67104.76
Non-Interest Bearing Deposits / Deposits6.937.316.10
Purchased Liabilities37.4434.9032.57

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