Flushing Financial Corporation (FFIC) 2015年年度报告「NASDAQ」.pdf

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1、2 0 1 5 A N N U A L R E P O R T(Dollars in thousands,except per share data)At or for the years ended December 31,Selected Financial Condition Data20152014Total assets$5,704,634$5,077,013Loans,net$4,366,444$3,785,277Securities held to maturity$6,180$Securities available for sale$993,397$973,310Certif

2、icate of deposit$1,403,302$1,305,823Other deposit accounts$2,489,245$2,202,775Stockholders equity$473,067$456,247Dividends paid per common share$0.64$0.60Book value per common share$16.41$15.52Selected Operating DataNet interest income$154,420$142,387Net income$46,209$44,239Basic earnings per common

3、 share$1.59$1.49Diluted earnings per common share$1.59$1.48Selected Financial Ratios and Other DataPerformance ratios:Return on average assets0.86%0.91%Return on average equity9.93%9.82%Interest rate spread2.94%2.98%Net interest margin3.04%3.11%Efficiency ratio58.57%54.40%Equity to total assets8.29%

4、8.99%Non-performing assets to total assets0.54%0.80%Allowance for loan losses to gross loans0.49%0.66%Allowance for loan losses to total non-performing loans82.58%73.40%Financial Highlights P a g e 1Flushing Financial Corporation(Nasdaq:FFIC)is the holding company for Flushing Bank,a New York State-

5、chartered commercial bank insured by the Federal Deposit Insurance Corporation.The Bank serves consumers,businesses,professionals,corporate clients,and public entities by offering a full complement of deposit,loan,and cash management services through its 19 banking offices located in Queens,Brooklyn

6、,Manhattan,and Nassau County.As a leader in real estate lending,the Bank s experienced lending team creates mortgage solutions for real estate owners and property managers both within and outside the New York City metropolitan area.The Bank also operates an online banking division,iGO,which offers c