<SEC-DOCUMENT>0001171843-19-002783.txt : 20190430
<SEC-HEADER>0001171843-19-002783.hdr.sgml : 20190430
<ACCEPTANCE-DATETIME>20190430173013
ACCESSION NUMBER:		0001171843-19-002783
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190430
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190430
DATE AS OF CHANGE:		20190430

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLUSHING FINANCIAL CORP
		CENTRAL INDEX KEY:			0000923139
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				113209278
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-33013
		FILM NUMBER:		19783464

	BUSINESS ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
		BUSINESS PHONE:		718-961-5400

	MAIL ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_043019.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><p align="center"><font style="font-size: 12pt;">UNITED STATES<br /> SECURITIES AND EXCHANGE COMMISSION<br /> Washington, D.C. 20549</font></p><p align="center"><font style="font-size: 12pt;"><strong>Form 8-K</strong></font></p><p align="center"><font style="font-size: 10pt;"><strong>CURRENT REPORT</strong><br />Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934</font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event reported)&#160;<!--April 30, 2019--><strong><u>April 30, 2019 </u></strong></font></p><p align="center"><font style="font-size: 12pt;"><strong><u>Flushing Financial Corporation</u></strong></font><br /><em><font style="font-size: 10pt;">(Exact name of registrant as specified in its charter)</font></em></p><table border="0" width="100%" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="32%"><font style="font-size: 10pt;"><strong><u>001-33013</u></strong></font></td></tr><tr valign="top"><td align="center" width="32%"><em><font style="font-size: 10pt;">(Commission File Number)</font></em></td></tr><tr valign="top"><td align="center" width="32%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td align="center" width="32%"><font style="font-size: 10pt;"><strong><u>Delaware</u></strong></font></td></tr><tr valign="top"><td align="center" width="32%"><em><font style="font-size: 10pt;">(State or other jurisdiction of incorporation)<br /><br /></font></em></td></tr><tr valign="top"><td align="center" width="32%"><font style="font-size: 10pt;"><strong><u>11-3209278</u></strong></font></td></tr><tr valign="top"><td align="center" width="32%"><em><font style="font-size: 10pt;">(IRS Employer Identification No.)<br /><br /></font></em></td></tr></table><table border="0" width="100%" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="47%"><font style="font-size: 10pt;"><strong><u>220 RXR Plaza, Uniondale, New York , 11556</u></strong></font></td></tr><tr valign="top"><td align="center" width="47%"><em><font style="font-size: 10pt;">(Address of principal executive offices)</font></em></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong><u>(718) 961-5400</u></strong><br /><em>(Registrant's telephone number, including area code)</em></font></p><!--<p align="center"><span style="font-size: 10pt;"><strong><span style="text-decoration: underline;"><br/></strong><em>(Former address of Principal executive offices)</em></p>--><table border="0" width="100%" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr></table><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&sect;240.12b-2).&#160;Emerging growth company [ &#160; ]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ &#160; ]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade" /><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">On April 30, 2019, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p><font style="font-size:10pt; font-family:'times new roman';"><a href="exh_991.htm" rel="nofollow">Exhibit 99.1. Press release dated April 30, 2019</a></font></p> </font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade" /><!-- Registrant's Signature --><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table border="0" width="100%" cellspacing="0" cellpadding="0"><tr valign="top"><td width="47%"><font style="font-size: 10pt;">&#160;</font></td><td width="5%"><font style="font-size: 10pt;">&#160;</font></td><td width="47%"><font style="font-size: 10pt;"><strong>Flushing Financial Corporation</strong></font></td></tr><tr valign="top"><td width="47%"><font style="font-size: 10pt;">&#160;</font></td><td width="5%"><font style="font-size: 10pt;">&#160;</font></td><td width="47%"><font style="font-size: 10pt;"><br /><br /></font></td></tr><tr valign="top"><td style="width: 47%; vertical-align: bottom;" width="47%"><font style="font-size: 10pt;">Date: April 30, 2019</font></td><td style="width: 5%; vertical-align: bottom;" width="5%"><font style="font-size: 10pt;">By: &#160;&#160;&#160;</font></td><td style="text-decoration: underline; width: 47%; vertical-align: bottom;" width="47%"><font style="font-size: 10pt;">/s/ Susan K. Cullen</font></td></tr><tr valign="top"><td width="47%"><font style="font-size: 10pt;">&#160;</font></td><td align="right" width="5%"><font style="font-size: 10pt;">&#160;</font></td><td style="width: 47%; vertical-align: top;" width="47%"><font style="font-size: 10pt;">Susan K. Cullen</font></td></tr><tr valign="top"><td width="47%"><font style="font-size: 10pt;">&#160;</font></td><td width="5%"><font style="font-size: 10pt;">Title: &#160;</font></td><td width="47%"><font style="font-size: 10pt;">Senior Executive Vice President and Chief Financial Officer</font></td></tr><tr valign="top"><td width="47%"><font style="font-size: 10pt;">&#160;</font></td><td align="right" width="5%"><font style="font-size: 10pt;">&#160;</font></td><td width="47%"><font style="font-size: 10pt;"></font></td></tr></table><p><font style="font-size: 10pt;"></font></p></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252" ><meta name="GENERATOR" content="MSHTML 8.00.7601.18094" ></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><font style="font-size: 14pt;"><strong>Flushing Financial Corporation Strategic Focus on Rate Over Volume Helps to Stabilize Net Interest Margin in 1Q19, Core NIM Increases 3bps</strong></font></p><p style="text-align: center;"><strong></strong></p><p>
 <p><u>FIRST QUARTER 2019</u><sup><u>1</u></sup><u> HIGHLIGHTS</u><br ></p>  <ul type="disc"><li>Net interest margin was 2.57%, unchanged QoQ and down 24bps YoY</li><li>Core net interest margin was 2.52%, up 3bps QoQ and down 22bps YoY</li><li>GAAP diluted EPS was $0.25, down 43.2% QoQ and 35.9% YoY</li><li>Core diluted EPS was $0.33, down 38.9% QoQ and 10.8% YoY</li><li>GAAP net interest income of $41.8 million, up 2.9% QoQ and down 1.9% YoY</li><li>Core net interest income of $42.4 million, up 4.4% QoQ and down 0.4% YoY</li><li>GAAP and core ROAE were 5.1% and 6.8%, respectively, compared with 9.2% and 11.4%, respectively in 4Q18</li><li>GAAP and core ROAA were 0.4% and 0.6%, respectively, compared with 0.7% and 0.9%, respectively in 4Q18</li><li>Provision for loan losses of $1.0 million, or $0.02 after-tax per diluted common share, driven mainly by a charge-off on one commercial loan</li><li>Increased quarterly dividend by 5% to $0.21 per share</li><li>Exceeded growth goal for Win Flushing Program</li><li>The first quarter of each year includes the impact of annual grants of employee and director restricted stock unit awards; restricted stock expense totaled $3.9 million in 1Q19, $1.0 million in 4Q18 and $3.5 million in 1Q18</li></ul>  <p align="justify">UNIONDALE, N.Y., April  30, 2019  (GLOBE NEWSWIRE) -- Flushing Financial Corporation (the &#8220;Company&#8221;) (Nasdaq-GS: FFIC), the parent holding company for Flushing Bank (the &#8220;Bank&#8221;), today announced its financial results for the first quarter ended March 31, 2019.</p>  <p align="justify">John R. Buran, President and Chief Executive Officer, stated, &#8220;While quarterly results were impacted by seasonal expense increases, fair market value adjustments, and provision expense, we were pleased to see several positive trends including net interest margin stabilization, loan yield improvement, loan pipeline growth, continued growth in the C&amp;I portfolio and deposit growth, particularly in the Flushing market.&#8221;</p>  <p align="justify">&#8220;The most significant of these trends was the stabilization of the net interest margin. The net interest margin was flat in 1Q19 compared to 4Q18 while core net interest margin increased three basis points during the same period.&#160; Importantly, the pace of the increase in the cost of funds has slowed from the 26 bps increase in the cost of interest bearing liabilities between 2Q18 and 3Q18 to three basis points between 1Q19 and 4Q18. The yield on interest earning assets has increased more gradually over the same periods as a result of our strategic focus on rate over volume, resulting in easing of net interest margin pressure.&#8221;</p>  <p align="justify">&#8220;Another component of the net interest margin stabilization is the $2 billion of loans scheduled to upwardly reprice through 2021 an average of 96bps. We may not reprice to the full contractual rate but we will reprice somewhere between the market and the contract price as loans begin to refinance.&#8221;</p>  <p align="justify">&#8220;Additionally, the swap strategy remains an important component in stabilizing the net interest margin.&#160; For 1Q19, the forward swaps totaling $442 million provided a benefit of four basis points while the loan swaps totaling $284 million provided two basis points of benefit. Our strategic focus on yield over volume in loan pricing continues to aid in stabilizing the net interest margin as the yield on loan closings increased 12bps during 1Q19 and 75bps from 1Q18. Finally, the loan pipeline improved significantly in 1Q19, growing 40% to $275 million from $197 million at December 31, 2018. The loan pipeline has an average yield of 4.80% providing for additional yield growth in the portfolio with 53% of our pipeline from adjustable rate loans at March 31, 2019.&#8221;</p>  <p align="justify">&#8220;Our strategy on loan growth is to move our balance sheet toward more floating rate C&amp;I business while simultaneously focusing on yield over volume on our mortgage business. During 1Q19, our C&amp;I loan closings totaled over $130 million, representing over 65% of our total loan closings. This performance was part of a trend that has been seen over the past four quarters. During that time period C&amp;I loans, which are primarily adjustable rate, represented 43% of new loan closings. On the mortgage side the yield on loan closings increased 35bps in 1Q19 from 4Q18 and 99bps from 1Q18. Mortgage loan closings were down in 1Q19, primarily due to the pipeline at December 31, 2018 being lower than historical norms, particularly in commercial real estate.&#8221;</p>  <p align="justify">&#8220;Total deposits increased $94.2 million, or 1.9% (non-annualized) QoQ. The majority of this increase was transaction deposits, which increased 4.3% (non-annualized) QoQ. The &#8220;Win Flushing&#8221; program, which focuses on increasing our deposit market share in the Asian Community of Flushing, Queens, was the centerpiece of our retail deposits growth of $72 million QoQ. As of March 31, 2019, we have captured $175 million of deposits, exceeding our target of $160 million in deposit growth by the end of 1Q19. The program was predicated on the conversion of Flushing branches to the Universal Banker model, which allows staff to spend more time with customers, increasing sales opportunities. In the branches that have been converted, we experienced an increase of approximately 100% in transactions processed at ATMs, to almost 55% of all branch transactions, reducing our customer&#8217;s reliance on tellers. As a result, branch sales have increased over 30%, as sales per employee increased approximately 50% due to our branch staff focusing more time on sales opportunities. As previously discussed, we expect to have the remaining branches converted to the Universal Banker model by the end of 2019. As of March 31, 2019, we had 15 out of our 19 total branches operating under the Universal Banker model.&#8221;&#160;</p>  <p align="justify">&#8220;Credit quality remained strong, as non-accrual and non-performing loans decreased by 3% in 1Q19. The quarter&#8217;s $0.9 million in charge-offs were mainly isolated to one commercial business loan relationship. The loan-to-value on our non-performing real estate loans at March 31, 2019 remained conservative at 33.9%.&#8221;</p>  <p align="justify">Mr. Buran continued, &#8220;The Company retains its focus on preserving strong risk management practices, including conservative underwriting standards and improving yields to achieve improved risk-adjusted returns.&#8221;</p>  <ul type="disc"><li>Multi-family (excluding underlying co-operative mortgages), commercial real estate, and one-to-four family mixed-use property mortgage loans originated during 1Q19 had a yield of 5.01%, an increase of 28bps from 4.73% for 4Q18 and an increase of 104bps from 3.97% for 1Q18. We maintained our asset quality as these loans had an average loan-to-value ratio of 41% and an average debt coverage ratio of 171%.<br ><br ></li><li>We remain committed to our strategy of focusing on C&amp;I loans, commercial real estate loans and multi-family. In the first quarter, loan closings represented 66%, 7%, and 14%, respectively, of all originations, which were made while maintaining conservative loan-to-value and debt coverage ratios, and increasing yield.<br ><br ></li><li>Over 75% of 1Q19 loan closings were non-brokered loans.</li></ul>  <p align="justify">Mr. Buran concluded, &#8220;Overall, we remain well capitalized and committed to the successful execution of our strategic objectives of managing our funding mix, emphasizing loan yields over volume, improving scalability and efficiency of our branch network and continuing to manage credit risk.&#8221;</p>  <p align="justify"><strong><em><u>Summary of Strategic Objectives</u></em></strong></p>  <ul type="disc"><li>Manage cost of funds and continue to improve funding mix<br ><br ></li><li>Increase interest income by leveraging loan pricing opportunities and portfolio mix<br ><br ></li><li>Enhance core earnings power by improving scalability and efficiency<br ><br ></li><li>Manage credit risk<br ><br ></li><li>Maintain well capitalized levels under all stress test scenarios</li></ul>  <p align="justify"><strong>Earnings Summary: </strong></p>  <p align="justify"><strong><em><u>Net Interest Income </u></em></strong></p>  <p align="justify">Net interest income for 1Q19 was $41.8 million, a decrease of $0.8 million, or 1.9% YoY (1Q19 compared to 1Q18) but an increase of $1.2 million, or 2.9% QoQ (1Q19 compared to 4Q18).</p>  <ul type="disc"><li>Net interest margin of 2.57%, decreased 24bps YoY and unchanged QoQ<br ><br ></li><li>Net interest spread of 2.36%, decreased 30bps YoY and increased 1bps QoQ<br ><br ></li><li>Yield on average interest-earning assets of 4.29%, increased 29bps YoY and 4bps QoQ<br ><br ></li><li>Cost of average interest-bearing liabilities of 1.93%, increased 59bps YoY and 3bps QoQ<br ><br ></li><li>Cost of funds of 1.80%, increased 55bps YoY and 3bps QoQ, driven by increases in rates paid on deposits and short-term borrowings resulting from increases in the Fed Funds rate&#160;<br ><br ></li><li>Net interest margin stabilization in 1Q19 due to:<br ><br > <ul type="circle"><li>Cost of interest-bearing liabilities increasing only 3bps QoQ<br ><br ></li><li>Interest rate swaps totaling $726 million provided a benefit of 6bps to net interest margin<br ><br ></li><li>Over $2 billion of loans scheduled to upwardly reprice an average of 96bps through 2021<br ><br ></li></ul> </li><li>Average balance of total interest-earning assets of $6,521.1 million, increased $422.4 million, or 6.9%, YoY and $156.7 million, or 2.5%, QoQ<br ><br ></li><li>Net interest income includes prepayment penalty income from loans totaling $0.8 million in 1Q19 compared with $0.9 million, each in 4Q18 and 1Q18, recovered interest from delinquent loans of $0.7 million in 1Q19, compared to $0.3 million in 4Q18 and $0.2 million in 1Q18, and losses from fair value adjustments on qualifying hedges totaling $0.6 million compared to none in 4Q18 and 1Q18<br ><br ></li><li>Absent all above items, the yield on interest-earning assets was 4.24% in 1Q19, an improvement of 6bps from 4Q18 and 31bps from 1Q18 and the net interest margin was 2.52% in 1Q19, which increased 3bps from 4Q18 but decreased 22bps from 1Q18</li></ul>  <p align="justify"><strong><em><u>Provision for loan losses</u></em></strong></p>  <p align="justify">The Company recorded a provision of $1.0 million compared to $0.4 million in 4Q18 and $0.2 million in 1Q18.</p>  <ul type="disc"><li>1Q19 includes charge-offs totaling $1.1 million from one commercial business relationship, after charge-off the remaining book balance for this relationship was $0.9 million<br ><br ></li><li>Recorded net charge-offs (recoveries) of $0.9 million in 1Q19, ($0.2) million in 4Q18 and ($38,000) in 1Q18</li></ul>  <p align="justify"><strong><em><u>Non-interest Income </u></em></strong></p>  <p align="justify">Non-interest income for 1Q19 was $0.9 million, a decrease of $2.3 million YoY, but an increase of $1.9 million QoQ.</p>  <ul type="disc"><li>Non-interest income included net losses from fair value adjustments of $2.1 million in 1Q19, $3.6 million in 4Q18,&#160; and $0.1 million in 1Q18, losses from the sale of securities of $1.9 million in 4Q18, gains from sale of assets of $1.1 million in 4Q18 and life insurance proceeds of $43,000 in 1Q19 and $0.8 million in 1Q18<br ><br ></li><li>Absent all above items, non-interest income was $3.0 million, an increase of $0.5 million, or 18.1% YoY, but a decrease of $0.4 million, 11.8% QoQ</li></ul>  <p align="justify"><strong><em><u>Non-interest Expense</u></em></strong></p>  <p align="justify">Non-interest expense for 1Q19 was $32.4 million, an increase of $1.1 million, or 3.6% YoY, and $6.7 million, or 25.9% QoQ.</p>  <ul type="disc"><li>1Q19 includes seasonal expenses totaling $3.0 million and a one-time expense of $0.5 million from the acceleration of employee benefits upon an officer&#8217;s death<br ><br ></li><li>Salaries and benefits increased $0.7 million YoY primarily due to annual salary increases and $4.1 million QoQ<br ><br ></li><li>Non-interest expense (excluding: salaries and benefits expense and director restricted stock unit expense) totaled $12.2 million in 1Q19, an increase of $0.6 million, or 5.3% YoY and $1.6 million, or 15.6% QoQ<br ><br ></li><li>The ratio of non-interest expense to average assets was 1.89% in 1Q19 compared to 1.54% in 4Q18 and 1.95% in 1Q18<br ><br ></li><li>The efficiency ratio was 70.4% in 1Q19 compared to 58.5% in 4Q18 and 69.3% in 1Q18</li></ul>  <p align="justify"><strong><em><u>Provision for Income Taxes</u></em></strong></p>  <p align="justify">The provision for income taxes in 1Q19 was $2.3 million, a decrease of $0.7 million, or 22.5% YoY but an increase of $1.2 million, or 118.6% QoQ.</p>  <ul type="disc"><li>Pre-tax income decreased by $5.0 million, or 34.9% YoY and by $4.1 million, or 30.5% QoQ<br ><br ></li><li>The effective tax rates were 24.5% in 1Q19, 7.8% in 4Q18 and 20.5% in 1Q18<br ><br ></li><li>Both 1Q19 and 1Q18 reflects the vesting of restricted stock awards, which are treated as discrete items for tax purposes. Additionally, 4Q18 reflects the release of a previously accrued tax liability of $1.8 million<br ><br ></li><li>Absent the above items, the effective tax rates were 23.8% in 1Q19, 20.9% in 4Q18 and 24.6% in 1Q18</li></ul>  <p align="justify"><strong>Financial Condition Summary:</strong></p>  <p align="justify"><strong><u>Loans:</u></strong></p>  <ul type="disc"><li>Net loans held for investment were $5,567.7 million reflecting an increase of 0.7% QoQ (not annualized) and 5.2% from March 31, 2018, as we continue to focus on the origination of multi-family, commercial real estate and commercial business loans with a full relationship while emphasizing rate over volume<br ><br ></li><li>Loan closings of multi-family, commercial real estate and commercial business loans totaled $171.5 million for 1Q19, or 86.6% of loan production<br ><br ></li><li>Loan pipeline was $274.8 million at March 31, 2019, compared to $196.6 million at December 31, 2018 and $325.6 million at March 31, 2018<br ><br ></li><li>The loan-to-value ratio on our portfolio of real estate dependent loans as of March 31, 2019 totaled 38.7%</li></ul>  <p>The following table shows the weighted average rate received from loan closings for the periods indicated:</p> <table style="width:100%; 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equity increased $10.1 million, or 1.8%, to $559.6 million due to net income of $7.1 million and an improvement in the fair value of the securities portfolio, partially offset by the declaration and payment of dividends on the Company&#8217;s common stock<br ><br ></li><li>During 1Q19, the Company did not repurchase any shares; as of March 31, 2019, up to 467,211 shares remained subject to repurchase under the authorized stock repurchase program, which has no expiration or maximum dollar limit<br ><br ></li><li>Book value per common share increased to $19.85 at March 31, 2019, from $19.64 at December 31, 2018 and tangible book value per common share, a non-GAAP measure, increased to $19.29 at March 31, 2019, from $19.07 at December 31, 2018</li></ul>  <p><strong><u>Conference Call Information:</u></strong></p>  <ul type="disc"><li>John R. Buran, President and Chief Executive Officer, and Susan K. Cullen, Senior Executive Vice President and Chief Financial Officer, will host a conference call on Wednesday, May 1, 2019 at 9:30 AM (ET) to discuss the Company&#8217;s strategy and results for the first quarter<br ><br ></li><li>Dial-in for Live Call: 1-877-509-5836<br ><br ></li><li>Webcast: https://services.choruscall.com/links/ffic190501.html</li><li>Dial-in for Replay: 1-877-344-7529<br ><br ></li><li>Replay Access Code: 10129183<br ><br ></li><li>The conference call will be simultaneously webcast&#160;and archived through 5:00 PM (ET) on May 1, 2020</li></ul>  <p><strong>About Flushing Financial Corporation</strong></p>  <p align="justify">Flushing Financial Corporation (Nasdaq: FFIC) is the holding company for Flushing Bank<sup>&#174;</sup>, a New York State-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, equipment finance, and cash management services through its banking offices located in Queens, Brooklyn, Manhattan, and on Long Island. As a leader in real estate lending, the Bank&#8217;s experienced lending team creates mortgage solutions for real estate owners and property managers both within and outside the New York City metropolitan area. Flushing Bank is an Equal Housing Lender. The Bank also operates an online banking division consisting of iGObanking.com<sup>&#174;</sup>, which offers competitively priced deposit products to consumers nationwide, and BankPurely<sup>&#174;</sup>, an eco-friendly, healthier lifestyle community brand.</p>  <p align="justify">Additional information on Flushing Bank and Flushing Financial Corporation may be obtained by visiting the Company&#8217;s website at http://www.flushingbank.com.</p>  <p align="justify"><strong><em>&#8220;Safe Harbor&#8221; Statement under the Private Securities Litigation Reform Act of 1995:</em></strong> Statements in this Press Release 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 meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors discussed in the Company&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2018 and in other documents filed by the Company with the Securities and Exchange Commission from time to time. Forward-looking statements may be identified by terms such as &#8220;may&#8221;, &#8220;will&#8221;, &#8220;should&#8221;, &#8220;could&#8221;, &#8220;expects&#8221;, &#8220;plans&#8221;, &#8220;intends&#8221;, &#8220;anticipates&#8221;, &#8220;believes&#8221;, &#8220;estimates&#8221;, &#8220;predicts&#8221;, &#8220;forecasts&#8221;, &#8220;goals&#8221;, &#8220;potential&#8221; or &#8220;continue&#8221; or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The Company has no obligation to update these forward-looking statements.&#160;</p>  <p><sup>1</sup> See the tables entitled &#8220;Reconciliation of GAAP Earnings and Core Earnings&#8221; and &#8220;Reconciliation of GAAP Net Interest Income and Net Interest Margin to Core Net Interest Income and Net Interest Margin.&#8221;</p>  <p align="center">- <strong><em>Statistical Tables Follow</em></strong> -<br > <br ><strong>FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES</strong><br ><strong>CONSOLIDATED STATEMENTS OF INCOME</strong><br >(Dollars in thousands, except per share data)<br >(Unaudited)</p> <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td colspan="11" style="border-bottom: solid black 1pt ; text-align: center ;  vertical-align: middle; vertical-align: bottom ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,364,456</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,098,706</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total assets</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,868,140</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 16,253</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 14,972</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Non-performing loans</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Mortgage-backed</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 4,004</td><td style="vertical-align: bottom ; ">&#160; 2.87</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 524,710</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 3,507</td><td style="vertical-align: bottom ; ">&#160; 2.67</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; Other securities</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 131,078</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,121</td><td style="vertical-align: bottom ; ">&#160; 3.42</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; &#160; Total taxable securities</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; and federal funds sold</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 103,042</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 555</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 2.15</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 68,674</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 317</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 1.85</td><td style="vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 87,416</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 287</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 1.31</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total interest-earning&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; assets</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,521,142</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 69,938</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 4.29</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,364,456</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 67,647</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 4.25</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 6,098,706</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 61,013</td><td style="border-bottom: solid black 1pt ; vertical-align: bottom ; ">&#160; 4.00</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Other assets</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 346,998</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; 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vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,312,834</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 4,968</td><td style="vertical-align: bottom ; ">&#160; 1.51</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,540,465</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 3,148</td><td style="vertical-align: bottom ; ">&#160; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 8,203</td><td style="vertical-align: bottom ; ">&#160; 2.15</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,578,402</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 8,276</td><td style="vertical-align: bottom ; ">&#160; 2.10</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,344,370</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 5,463</td><td style="vertical-align: bottom ; ">&#160; 1.63</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; &#160;Total due to depositors</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 4,598,305</td><td style="border-top: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-top: solid black 1pt ; 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">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; &#160; accounts</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 62,174</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 21,469</td><td style="vertical-align: bottom ; ">&#160; 1.84</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 4,524,308</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 20,174</td><td style="vertical-align: bottom ; ">&#160; 1.78</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 4,235,417</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 12,110</td><td style="vertical-align: bottom ; ">&#160; 1.14</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160; &#160;Borrowings</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,150,784</td><td style="border-bottom: solid black 1pt ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="border-bottom: solid black 1pt ; padding-left: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Small Business Administration</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,227</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,267</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 1,395</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; -</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; 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text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 613</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 712</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 743</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 906</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="2" style="vertical-align: bottom ; ">Commercial business and other</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 2,114</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 3,512</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">&#160; 761</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="4" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Total Assets</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: middle; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160; 6,466,935</td><td style="border-top: solid black 1pt ; border-bottom: solid black 1pt ; padding-left: 0 ; text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="6" style="text-align: left ;  vertical-align: middle; vertical-align: bottom ; ">Tangible Stockholders' Common Equity to Tangible Assets</td><td style="border-top: solid black 1pt ; 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Cullen<br >Senior Executive Vice President, Treasurer and Chief Financial Officer<br >Flushing Financial Corporation<br >(718) 961-5400</p> </p><p ></p></body></html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
