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SAFE & SOUND® STAR RATINGS

FLUSHING BANK

144-51 NORTHERN BOULEVARD
FLUSHING, New York 11354

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$5,082,661$4,725,183$4,452,428
Loans Receivable, Net3,785,2773,402,8273,208,328
Mortgage-Backed Securities700,254749,037695,202
Investments240,169231,183199,072
Deposits3,515,5863,248,2513,031,379
Borrowings1,027,721982,552924,483
Equity482,996449,580451,190
Net Interest Income151,554149,604156,266
Fee Income9589511,069
Overhead89,10978,83479,715
Net Operating Income73,34567,26357,182
Net Income44,10441,45034,837
Ratio Analysis Profitability%%%
Return on Assets *0.910.910.80
Operating Return on Assets *1.511.471.32
Return on Equity *9.329.307.86
Net Interest Margin *3.273.433.76
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.841.721.83
Efficiency Ratio58.0349.7550.25
Asset Quality%%%
Nonperforming Assets / Assets0.801.152.30
Nonperforming Assets / Equity & Loss Reserves7.9711.2621.21
Loss Reserves / Nonperforming Loans73.4064.3933.21
1-4 Fam Mtg + MBS / Assets29.0832.9234.72
Commercial Real Estate Loans / Assets53.0949.7048.47
Construction Loans / Assets0.220.360.68
Commercial & Industrial Loans / Assets6.035.174.50
Consumer Loans / Assets0.000.000.01
Capitalization%%%
Equity / Assets9.509.5110.13
Tangible Capital / Tangible Assets9.259.259.84
Risk-based Capital Ratio14.6015.6315.43
Liquidity%%%
Loans / Deposits107.67104.76105.84
Non-Interest Bearing Deposits / Deposits7.316.105.21
Purchased Liabilities34.9032.5732.82

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