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SAFE & SOUND® STAR RATINGS

FLUSHING BANK

260E RXR PLAZA
Uniondale, New York 11556

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$5,711,066$5,082,661$4,725,183
Loans Receivable, Net4,366,4443,785,2773,402,827
Mortgage-Backed Securities666,214700,254749,037
Investments302,334240,169231,183
Deposits3,897,4313,515,5863,248,251
Borrowings1,242,6591,027,721982,552
Equity502,798482,996449,580
Net Interest Income159,030151,554149,604
Fee Income1,025958951
Overhead94,34589,10978,834
Net Operating Income75,73873,34567,263
Net Income47,88444,10441,450
Ratio Analysis Profitability%%%
Return on Assets *0.890.910.91
Operating Return on Assets *1.411.511.47
Return on Equity *9.639.329.30
Net Interest Margin *3.083.273.43
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.761.841.72
Efficiency Ratio55.8458.0349.75
Asset Quality%%%
Nonperforming Assets / Assets0.540.801.15
Nonperforming Assets / Equity & Loss Reserves5.907.9711.26
Loss Reserves / Nonperforming Loans82.8073.4064.39
1-4 Fam Mtg + MBS / Assets25.2629.0832.92
Commercial Real Estate Loans / Assets56.6653.0949.70
Construction Loans / Assets0.250.220.36
Commercial & Industrial Loans / Assets6.066.035.17
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets8.809.509.51
Tangible Capital / Tangible Assets8.589.259.25
Risk-based Capital Ratio13.1714.6015.63
Liquidity%%%
Loans / Deposits112.03107.67104.76
Non-Interest Bearing Deposits / Deposits6.957.316.10
Purchased Liabilities37.8134.9032.57

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