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SAFE & SOUND® STAR RATINGS

FLUSHING BANK

144-51 NORTHERN BOULEVARD
FLUSHING, New York 11354

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of September 30, 2014
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$4,895,514$4,725,183$4,452,428
Loans Receivable, Net3,618,4403,402,8273,208,328
Mortgage-Backed Securities691,317749,037695,202
Investments254,076231,183199,072
Deposits3,372,7843,248,2513,031,379
Borrowings1,002,098982,552924,483
Equity475,680449,580451,190
Net Interest Income108,099149,604156,266
Fee Income6679511,069
Overhead62,71178,83479,715
Net Operating Income55,74867,26357,182
Net Income33,41341,45034,837
Ratio Analysis Profitability%%%
Return on Assets *1.000.910.80
Operating Return on Assets *1.641.471.32
Return on Equity *10.199.307.86
Net Interest Margin *3.283.433.76
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.731.721.83
Efficiency Ratio56.8049.7550.25
Asset Quality%%%
Nonperforming Assets / Assets0.851.152.30
Nonperforming Assets / Equity & Loss Reserves8.2311.2621.21
Loss Reserves / Nonperforming Loans79.4764.3933.21
1-4 Fam Mtg + MBS / Assets30.1632.9234.72
Commercial Real Estate Loans / Assets51.3449.7048.47
Construction Loans / Assets0.310.360.68
Commercial & Industrial Loans / Assets6.455.174.50
Consumer Loans / Assets0.000.000.01
Capitalization%%%
Equity / Assets9.729.5110.13
Tangible Capital / Tangible Assets9.469.259.84
Risk-based Capital Ratio15.2515.6315.43
Liquidity%%%
Loans / Deposits107.28104.76105.84
Non-Interest Bearing Deposits / Deposits6.356.105.21
Purchased Liabilities36.5432.5732.82

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