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 March 31, 2014
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$4,823,906$4,725,183$4,452,428
Loans Receivable, Net3,469,3893,402,8273,208,328
Mortgage-Backed Securities768,378749,037695,202
Investments245,428231,183199,072
Deposits3,370,1623,248,2513,031,379
Borrowings953,331982,552924,483
Equity460,823449,580451,190
Net Interest Income37,445149,604156,266
Fee Income2109511,069
Overhead21,59278,83479,715
Net Operating Income17,52467,26357,182
Net Income10,14741,45034,837
Ratio Analysis Profitability%%%
Return on Assets *0.950.910.80
Operating Return on Assets *1.561.471.32
Return on Equity *9.859.307.86
Net Interest Margin *3.423.433.76
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.681.721.83
Efficiency Ratio56.8349.7550.25
Asset Quality%%%
Nonperforming Assets / Assets1.051.152.30
Nonperforming Assets / Equity & Loss Reserves10.3111.2621.21
Loss Reserves / Nonperforming Loans61.8664.3933.21
1-4 Fam Mtg + MBS / Assets32.4932.9234.72
Commercial Real Estate Loans / Assets49.0549.7048.47
Construction Loans / Assets0.360.360.68
Commercial & Industrial Loans / Assets6.215.174.50
Consumer Loans / Assets0.000.000.01
Capitalization%%%
Equity / Assets9.559.5110.13
Tangible Capital / Tangible Assets9.299.259.84
Risk-based Capital Ratio15.2615.6315.43
Liquidity%%%
Loans / Deposits102.94104.76105.84
Non-Interest Bearing Deposits / Deposits6.086.105.21
Purchased Liabilities31.8032.5732.82

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