FDIC Certificate #: 30243 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Flushing Savings Bank, FSB (#16049) Federal Reserve ID: 251679 Date Established: January 01, 1888 WWW:http://www.atlanticlibertysavings.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 5031 FDIC's unique #: 43077 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: November 29, 1944 Last Structure Change Effective Date: June 30, 2006 Last Structure Change Process Date: July 12, 2006 Last Data Update: July 12, 2006 Data Source Date: April 05, 2012
Location
Address: 186 Montague Street, Brooklyn, NY 11201 County: Kings Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: New York City Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): New York, NY (#5600) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
Financial Summary
Total assets: $177.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
21Total employees (full-time equivalent)
$174,819Total assets
$4,805Cash and due from depository institutions
$4,297Interest-bearing balances
$38,203Securities
$0Federal funds sold & reverse repurchase agreements
$121,307Net loans & leases
$753Loan loss allowance
$0Trading account assets
$1,709Bank premises and fixed assets
$78Other real estate owned
$0Goodwill and other intangibles
$2,401Life insurance assets
$8,717All other assets
$174,819Total liabilities and capital
$153,239Total liabilities
$108,514Total deposits
$106,509Interest-bearing deposits
$108,514Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$42,371Other borrowed funds
$0Subordinated debt
$2,354All other liabilities
$21,580Total equity capital
$21,580Total bank equity capital
$21,580Perpetual preferred stock
$0Common stock
$171Surplus
$8,470Undivided profits
Memoranda
$12,939Noncurrent loans and leases
$12,780Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$734Average Assets, year-to-date
$163,807Average Assets, quarterly
$0Volatile liabilities
$178,980Insider loans
$174,586FHLB advances
$74,001Loans and leases held for sale
$0Unused loan commitments
$41,550Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,780Total unused commitments
$0Restructured Loans and leases
$753Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$9,950Total interest income
$3,235Total interest expense
$6,715Net interest income
$0Provision for loan and lease losses
$687Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$687Additional noninterest income
$5,988Total noninterest expense
$4,527Salaries and employee benefits
$648Premises and equipment expense
$813Additional noninterest expense
$1,414Pre-tax net operating income
$0Securities gains (losses)
$639Applicable income taxes
$775Income before extraordinary items
$0Extraordinary gains - net
$775Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$16Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.89%Yield on earning assets
1.91%Cost of funding earning assets
3.97%Net interest margin
0.41%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
0.43%Net operating income to assets
0.43%Return on assets (ROA)
0.79%Pretax return on assets
3.61%Return on equity (ROE)
3.61%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
80,897Assets per employee
8.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
111.79%Net loans and leases to core deposits
157.78%Equity capital to assets
12.34%Core capital (leverage) ratio
12.34%Tier 1 risk-based capital ratio
21.80%Total risk-based capital ratio
Memoranda
$22Average assets
$178,980Average earning assets
$21,467Average equity
$169,048Average loans
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