3Q21 Earnings Conference Call Personal Business Lending Government October 27, 2021 Small enough to know you. Large enough to help you.8 Safe Harbor Statement "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this Presentation relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments and other statements that are not descriptions of historical facts may be forward-looking statements within the ...

[PART I — FINANCIAL INFORMATION](index=5&type=section&id=PART%20I%20%E2%80%94%20FINANCIAL%20INFORMATION) This section details Flushing Financial Corporation's unaudited consolidated financial statements and management's analysis for the period ended June 30, 2021 [Financial Statements](index=5&type=section&id=ITEM%201.%20Financial%20Statements) This section presents Flushing Financial Corporation's unaudited consolidated financial statements as of June 30, 2021, including balance sheets, income statements, cash flows, and detailed notes [Consolidated Statements of Financial Condition](index=4&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) Total assets grew to **$8.16 billion** as of June 30, 2021, up from **$7.98 billion** at year-end 2020, driven by increases in securities available for sale and net loans Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2021 | December 31, 2020 | | :--- | :--- | :--- | | **Total Assets** | **$8,159,345** | **$7,976,394** | | Net Loans | $6,676,136 | $6,659,521 | | Securities (AFS & HTM) | $879,335 | $702,292 | | **Total Liabilities** | **$7,504,178** | **$7,357,397** | | Total Deposits | $6,298,790 | $6,090,733 | | Borrowed Funds | $971,827 | $1,020,895 | | **Total Stockholders' Equity** | **$655,167** | **$618,997** | [Consolidated Statements of Income](index=5&type=section&id=Consolidated%20Statements%20of%20Income) For the three months ended June 30, 2021, net income was **$19.3 million**, a slight increase from **$18.3 million** in the prior-year period Income Statement Summary (in thousands, except per share data) | Metric | Three Months Ended June 30, 2021 | Three Months Ended June 30, 2020 | Six Months Ended June 30, 2021 | Six Months Ended June 30, 2020 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $61,039 | $48,717 | $121,931 | $89,543 | | (Benefit) Provision for Credit Losses | $(1,598) | $9,619 | $1,222 | $16,797 | | **Net Income** | **$19,258** | **$18,272** | **$38,297** | **$16,882** | | Diluted EPS | $0.61 | $0.63 | $1.21 | $0.58 | [Consolidated Statements of Cash Flows](index=7&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For the six months ended June 30, 2021, the company experienced a net cash outflow of **$11.4 million** Cash Flow Summary for Six Months Ended June 30 (in thousands) | Activity | 2021 | 2020 | | :--- | :--- | :--- | | Net Cash from Operating Activities | $35,975 | $29,893 | | Net Cash used in Investing Activities | $(197,804) | $(87,413) | | Net Cash from Financing Activities | $150,412 | $92,487 | | **Net (Decrease) Increase in Cash** | **$(11,417)** | **$34,967** | [Notes to Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) This section provides detailed disclosures on accounting policies, the impact of COVID-19, portfolio breakdowns, credit losses, fair value, derivatives, and regulatory capital - In response to COVID-19, the company had **69 active loan forbearances** with an aggregate balance of **$245.8 million** as of June 30, 2021, a decrease from **134 forbearances** with a balance of **$364.4 million** at December 31, 2020[30](index=30&type=chunk) - The company actively participated in the Paycheck Protection Program (PPP), closing **$138.7 million** in loans during Q2 2021, with **$69.2 million** forgiven by the SBA during the same period[32](index=32&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A)](index=59&type=section&id=ITEM%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's financial performance for the three and six months ended June 30, 2021, highlighting net interest income, portfolio changes, credit quality, and capital adequacy [Comparison of Operating Results](index=63&type=section&id=Comparison%20of%20Operating%20Results) For Q2 2021, net income rose to **$19.3 million** from **$18.3 million** in Q2 2020, driven by a **$12.3 million** increase in net interest income - For Q2 2021, net interest income increased by **25.3% YoY** to a record **$61.0 million**, driven by a **27 basis point expansion** in net interest margin to **3.14%** and a **$360.2 million** growth in net interest-earning assets[207](index=207&type=chunk)[216](index=216&type=chunk) - A benefit for credit losses of **$1.6 million** was recorded in Q2 2021, compared to a provision of **$9.6 million** in Q2 2020, reflecting improving economic conditions[217](index=217&type=chunk) - For the six months ended June 30, 2021, net income increased **126.9% YoY** to **$38.3 million**, and diluted EPS grew **108.6%** to **$1.21**[222](index=222&type=chunk) [Financial Condition](index=69&type=section&id=Financial%20Condition) As of June 30, 2021, total assets reached **$8.16 billion**, a **2.3%** increase from year-end 2020, supported by a **$208.1 million** increase in deposits - Total assets increased by **$183.0 million (2.3%)** to **$8,159.3 million** in the first six months of 2021[235](index=235&type=chunk) - Loan originations and purchases were **$647.3 million** for the first six months of 2021, a **21.6% increase** from the prior year period[235](index=235&type=chunk) - Non-performing assets decreased by **16.7%** to **$17.6 million**, representing **0.22%** of total assets at June 30, 2021[237](index=237&type=chunk) - Total deposits increased by **$208.1 million (3.4%)** during the first six months of 2021, driven by growth in non-maturity deposits, while brokered deposits decreased by **$579.4 million**[242](index=242&type=chunk) [Allowance for Credit Losses](index=80&type=section&id=Allowance%20for%20Credit%20Losses) The total Allowance for Credit Losses (ACL) stood at **$45.1 million** as of June 30, 2021, with the ACL for loans at **0.64%** of gross loans Allowance for Credit Losses Activity - Six Months Ended June 30, 2021 (in thousands) | Component | Beginning Balance (Dec 31, 2020) | Provision (Benefit) | Net Charge-offs / Recoveries | Ending Balance (June 30, 2021) | | :--- | :--- | :--- | :--- | :--- | | ACL - Loans | $45,153 | $1,284 | $(3,767) | $42,670 | | ACL - HTM Securities | $907 | $(63) | $0 | $844 | | ACL - Off-Balance Sheet | $1,815 | $(245) | $0 | $1,570 | | **Total ACL** | **$47,875** | **$976** | **$(3,767)** | **$45,084** | - The ratio of ACL for loans to gross loans was **0.64%** at June 30, 2021, compared to **0.61%** at June 30, 2020[269](index=269&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=82&type=section&id=ITEM%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section details the company's management of interest rate risk through its Asset Liability Committee, assessing potential impacts on net interest income and net portfolio value Interest Rate Shock Analysis as of June 30, 2021 | Change in Interest Rate | Projected % Change in Net Interest Income | Projected % Change in Net Portfolio Value | | :--- | :--- | :--- | | +200 Basis points | (14.08)% | (7.45)% | | +100 Basis points | (7.02)% | (3.29)% | | -100 Basis points | 2.32% | (14.45)% | [Controls and Procedures](index=82&type=section&id=ITEM%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, concluded the company's disclosure controls and procedures were effective as of June 30, 2021 - The Chief Executive Officer and Chief Financial Officer concluded that the company's disclosure controls and procedures were effective as of June 30, 2021[271](index=271&type=chunk) [PART II — OTHER INFORMATION](index=83&type=section&id=PART%20II%20%E2%80%94%20OTHER%20INFORMATION) This section covers legal proceedings, risk factors, equity security sales, and a comprehensive list of exhibits for the reporting period [Legal Proceedings](index=83&type=section&id=ITEM%201.%20Legal%20Proceedings) The company is involved in various lawsuits in the ordinary course of business, with management expecting no material adverse effect on financial condition - Management believes that the resolution of various ongoing lawsuits will not result in any material adverse effect on the Company's financial condition, results of operations, or cash flows[273](index=273&type=chunk) [Risk Factors](index=83&type=section&id=ITEM%201A.%20Risk%20Factors) There have been no material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2020 - No material changes from the risk factors disclosed in the Company's annual report on Form 10-K for the year ended December 31, 2020 were reported[274](index=274&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=83&type=section&id=ITEM%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company did not repurchase any shares of its common stock during the quarter ended June 30, 2021, with **284,806 shares** remaining available for repurchase - The Company did not repurchase any shares of its common stock during the second quarter of 2021[275](index=275&type=chunk) - As of June 30, 2021, **284,806 shares** remained available for repurchase under the company's stock repurchase program[275](index=275&type=chunk) [Exhibits](index=84&type=section&id=ITEM%206.%20Exhibits) This section provides an index of all exhibits filed as part of the quarterly report, including certifications by the CEO and CFO, and XBRL data files

Flushing Financial Corporation (NASDAQ:FFIC) Q2 2021 Results Conference Call July 28, 2021 9:30 AM ET Company Participants John Buran - President and CEO Susan Cullen - Senior EVP, Treasurer and CFO Frank Korzekwinski - Senior EVP and Chief Real Estate Lending Officer Conference Call Participants Mark Fitzgibbon - Piper Sandler Chris O'Connell - KBW Operator Welcome to Flushing Financial Corporations' Second Quarter 2021 Earnings Conference Call. Hosting, the call today are John Buran, President and Chief ...

Financial Performance - GAAP diluted EPS 为 $0.61，去年同期为 $0.63[3, 24] - 核心摊薄后每股收益创纪录，为 $0.73，同比增长 102.8%[3, 24] - GAAP ROAA 为 0.93%，ROAE 为 11.95%[3, 24] - 核心 ROAA 为 1.11%，核心 ROAE 为 14.27%，同比显著提升[3, 24] Net Interest Income and Margin - 连续第五个季度实现核心净利息收入创纪录[3] - GAAP 净息差环比下降 4 个基点；核心净息差环比上升 8 个基点至 3.14%[3, 24] Loan Portfolio - 不含 PPP 的期末贷款同比增长 10.7%，环比年化增长 1.7%[3] - 贷款储备同比增长 39% 至 $4.33 亿[3] - 贷款总额同比增长 12.5%，但由于 PPP 贷款减免，环比下降 1.7%（年化）[12] Deposits - 平均存款同比增长 29.1%[6] - 不计 Empire 的平均存款增长约为 13%[6] - 无息存款占平均存款的 14.2%，高于去年同期的 11.1%[6] Asset Quality - 不良资产/资产为 22 个基点[3] - 净冲销为 5 个基点[3] - 房地产平均 LTV 为 38%[3] PPP Loans - 项目周期内已减免约 1.13 亿美元的 PPP 贷款；剩余 1.97 亿美元的 PPP 贷款[3] - 2021 年上半年平均每月减免额为 1550 万美元，第二季度为 2310 万美元[14]

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, $0.01 par value FFIC The Nasdaq Stock Market LLC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 Commission file number 001-33013 FLUSHING FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware (State ...

Start Time: 09:30 January 1, 0000 10:17 AM ET Flushing Financial Corporation (NASDAQ:FFIC) Q1 2021 Earnings Conference Call April 28, 2021, 09:30 AM ET Company Participants John Buran - President and CEO Susan Cullen - Senior EVP, Treasurer and CFO Frank Korzekwinski - Senior EVP and Chief Real Estate Lending Officer Conference Call Participants Mark Fitzgibbon - Piper Sandler Steve Comery - g. Research Christopher Keith - D.A. Davidson Chris O’Connell - KBW Operator Good day, and welcome to Flushing Financ ...

FFIC FL "Small Enough To Know You. "Small Enough To Know You. Large Enough To Help You." Large Enough To Help You." 1Q21 Earnings Conference Call April 28, 2021 Safe Harbor Statement "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this Presentation relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments and other statements that are not descriptions of historical facts may be forwardlooking ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 Commission file number 001-33013 FLUSHING FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware 11-3209278 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 220 RXR Plaza, Uniondale, New York 11556 (Ad ...

Flushing Financial Corporation (NASDAQ:FFIC) Q4 2020 Earnings Conference Call January 29, 2021 9:30 AM ET Company Participants John Buran - President and Chief Executive Officer Susan Cullen - Senior Executive Vice President, Treasurer and Chief Financial Officer Frank Korzekwinski - Senior Executive Vice President and Chief, Real Estate Lending Conference Call Participants Steve Comery - g. Research Chris O’Connell - KBW John LaViola - Piper Sandler Operator Good morning, everyone and welcome to the Flushi ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, $0.01 par value FFIC The Nasdaq Stock Market LLC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 Commission file number 001-33013 FLUSHING FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Delaware (St ...