| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest and fees on loans | 94,970 | 95,005 | 93,032 | 95,780 |
| Interest | 19,785 | 20,186 | 21,413 | 24,215 |
| Dividends | 29 | 28 | 28 | 33 |
| Other interest and dividend income | 1,685 | 2,183 | 2,063 | 2,565 |
| Total interest and dividend income | 116,469 | 117,402 | 116,536 | 122,593 |
| Deposits | 57,137 | 59,037 | 57,174 | 66,150 |
| Other interest expense | 5,504 | 5,156 | 6,373 | 10,840 |
| Total interest expense | 62,641 | 64,193 | 63,547 | 76,990 |
| Net interest income (loss) | 53,828 | 53,209 | 52,989 | 45,603 |
| Provision (benefit) for credit losses | 1,531 | 4,194 | 4,318 | 1,727 |
| Net interest income after provision (benefit) for credit losses | 52,297 | 49,015 | 48,671 | 43,876 |
| Life insurance proceeds | - | - | - | 1 |
| Revenue from contract with customer, including assessed tax | 2,000 | 1,948 | 1,521 | 1,790 |
| Gain (loss) on sales of loans, net | 318 | 2,757 | 630 | 137 |
| Net gain (loss) on sale of securities | 661 | - | - | - |
| Net gain (loss) from fair value adjustments | -1,831 | 1,656 | -152 | 974 |
| Federal home loan bank of new york stock dividends | 369 | 428 | 697 | 624 |
| Bank owned life insurance | 2,319 | 2,835 | 1,574 | 1,260 |
| Noninterest income, other operating income | 910 | 653 | 804 | 1,491 |
| Total non-interest income (loss) | 4,746 | 10,277 | 5,074 | 6,277 |
| Labor and related expense | 24,685 | 22,648 | 22,896 | 22,216 |
| Occupancy and equipment | 4,189 | 4,005 | 4,092 | 3,745 |
| Impairment of goodwill | - | - | 17,636 | - |
| Professional fees | 3,999 | 3,452 | 2,885 | 2,752 |
| Federal deposit insurance corporation premium expense | 1,373 | 1,508 | 1,709 | 1,318 |
| Information technology and data processing | 1,831 | 1,806 | 1,868 | 1,681 |
| Gains (losses) on sales of investment real estate | - | - | - | 174 |
| Depreciation and amortization of bank premises and equipment | 1,316 | 1,367 | 1,373 | 1,436 |
| Other real estate owned / foreclosure expense | -353 | -220 | -345 | -135 |
| Other noninterest expense | 5,619 | 5,350 | 6,872 | 5,587 |
| Total non-interest expense | 43,365 | 40,356 | 59,676 | 38,696 |
| Income (loss) before income taxes | 13,678 | 18,936 | -5,931 | 11,457 |
| Federal | 2,211 | 3,171 | 2,172 | 1,484 |
| State and local income tax expense (benefit), continuing operations | 1,020 | 1,562 | 1,693 | 1,067 |
| Total provision (benefit) for income taxes | 3,231 | 4,733 | 3,865 | 2,551 |
| Net income (loss) | 10,447 | 14,203 | -9,796 | 8,906 |
| Diluted average shares | - | - | - | 29,742,000 |
| Earnings per share, basic | 0.3 | 0.41 | -0.29 | 0.3 |
| Earnings per share, diluted | 0.3 | 0.41 | -0.29 | 0.3 |
| Weighted average number of shares outstanding, basic | 33,939,000 | 33,929,000 | 33,932,000 | - |
FLUSHING FINANCIAL CORP (FFIC)
FLUSHING FINANCIAL CORP (FFIC)