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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 March 31, 2016
Federal Reserve System Identifier 959304




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$5,820,580$5,711,066$5,082,661
Loans Receivable, Net4,436,5484,366,4443,785,277
Mortgage-Backed Securities666,007666,214700,254
Investments352,078302,334240,169
Deposits4,073,1983,897,4313,515,586
Borrowings1,162,8111,242,6591,027,721
Equity513,326502,798482,996
Net Interest Income42,509159,030151,554
Fee Income2521,025958
Overhead27,73294,34589,109
Net Operating Income14,80175,73873,345
Net Income9,35147,88444,104
Ratio Analysis Profitability%%%
Return on Assets *0.880.890.91
Operating Return on Assets *1.381.411.51
Return on Equity *9.649.639.32
Net Interest Margin *3.073.083.27
Fee Income / Assets *0.020.020.02
Overhead / Assets *1.751.761.84
Efficiency Ratio65.2055.8458.03
Asset Quality%%%
Nonperforming Assets / Assets0.510.540.80
Nonperforming Assets / Equity & Loss Reserves5.575.907.97
Loss Reserves / Nonperforming Loans87.1382.8073.40
1-4 Fam Mtg + MBS / Assets24.8125.2629.08
Commercial Real Estate Loans / Assets56.5056.6653.09
Construction Loans / Assets0.270.250.22
Commercial & Industrial Loans / Assets6.206.066.03
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets8.828.809.50
Tangible Capital / Tangible Assets8.608.589.25
Risk-based Capital Ratio13.0613.1714.60
Liquidity%%%
Loans / Deposits108.92112.03107.67
Non-Interest Bearing Deposits / Deposits6.996.957.31
Purchased Liabilities33.7537.8134.90

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