# FLUSHING SAVINGS BANK FSB
FLUSHING, NY · FDIC certificate 16049 · asset band $1-10B · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.45B | |
| Deposits | $3.03B | |
| Loans and leases | $3.24B | |
| Total equity | $451.2M | |
| Loans / deposits | 105.84% (p92 of band) | 77.28% |
| Liquid assets / assets | 20.90% (p29 of band) | |
| Uninsured deposits / deposits | 4.88% (p11 of band) | 18.10% |
| Brokered deposits | 11.71% | |
| Wholesale funding | 32.47% (p95 of band) | |
| FHLB advances / assets | 16.60% | |
| Tier 1 leverage | 9.62% (p50 of band) | 9.62% |
| Unrealized securities loss / equity | 7.45% (p77 of band) | 3.85% |
| AOCI / equity | 1.62% (p85 of band) | |
| ROA (annualized) | 0.79% (p41 of band) | 0.91% |
| Net interest margin | 3.78% (p59 of band) | 3.65% |
| Efficiency ratio | 49.96% (p13 of band) | |
| Noncurrent loans | 2.89% (p74 of band) | 1.60% |
| Net charge-offs (annualized) | 0.46% (p71 of band) | |
| Reserve coverage of noncurrent | 33.19% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 6.67% (p15 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 372 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | brokered >10% |
| 2012-06 | 5 | brokered >10%, capital falling |  |
| 2012-09 | 4 |  | capital falling |
| 2012-12 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16049 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "16049", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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