Flushing Financial Results Presentation Deck
February 2024, 40 slides
  1. Flushing Financial
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investor presentation | Flushing Financial
safe harbor statement | Flushing Financial
flushing financial snapshot age | Flushing Financial
key messages | Flushing Financial
strong banking market focus if one lie opportunities of total deposits deposit potential share for the comparable markets | Flushing Financial
areas of focus increase net interest margin and reduce volatility maintain credit discipline preserve strong capital and liquidity bend the expense curve | Flushing Financial
core nim expand closing satisfaction yields widen | Flushing Financial
loans higher pas pee tes | Flushing Financial
less nim volatility from changes in interest rates over the past year we have largely moved to rate neutral to position the company for any rate movements | Flushing Financial
low risk loan portfolio total | Flushing Financial
approach to real estate lending low leverage shared philosophy since we have a long history of lending in new york city the key to our success is shared client philosophy historically credit quality has outperformed industry and peers | Flushing Financial
lending specialized focus that yields minimal losses | Flushing Financial
conservative underwriting standards portfolio data points at origination criticized and classified loans loans loans generally reset every years | Flushing Financial
manageable risk actual key data points during million of loans higher to all loans to contractual rate in million of loans are forecasted to reprice higher to a weighted average rate of example of a typical loan | Flushing Financial
risks are well contained debt coverage ratio details key data points of of underwriting assumes higher rates at origination leading to strong borrowers have significant equity positions in these loans especially for those with less than credit performance is favorable with no criticized classified or delinquent loans more than days only million of loans with a due to reprice in with a weighted average coupon of million fixed rate or due to reprice in or later | Flushing Financial
minimal interest only high quality performance interest only loan details key data points loans are typically offered to relationship customers who have a prior history with the bank a client requests an when cash flows early in the project are low and will increase after improvements occur significant equity or multiple properties are offsetting factors loans are generally for years and then become fully amortizing unwritten based a fully amortizing basis credit is stellar with no delinquencies greater than days no criticized and no classified loans | Flushing Financial
rent regulated portfolio granular and low risk data points key data points | Flushing Financial
office most of the loans are outside of medical | Flushing Financial
low office lending concentration versus peers office loans as a percent of total loans buildings exposure is only net | Flushing Financial
retail essential to local communities per | Flushing Financial
low loan losses and noncurrent loans | Flushing Financial
continued strong capital | Flushing Financial
increasing liquidity and low uninsured and deposits | Flushing Financial
bending the expense curve over the past years core expenses have increased at compounded annual growth rate in we expect to core expenses to increase at a low to mid single digit pace controlling what we can control and looking to drive operating efficiencies | Flushing Financial
key messages | Flushing Financial
appendix | Flushing Financial
average total deposits expand yoy pace of deposit costs increase slows | Flushing Financial
well secured and portfolios my | Flushing Financial
well diversified commercial business portfolio commercial business | Flushing Financial
experienced executive leadership team | Flushing Financial
annual financial highlights | Flushing Financial
over a year track record of steady growth call | Flushing Financial
environmental social and governance a | Flushing Financial
reconciliation of earnings and core earnings | Flushing Financial
reconciliation of earnings and core earnings years | Flushing Financial
reconciliation of revenue and provision tax net revenue years | Flushing Financial
reconciliation of and core net interest income and nim years | Flushing Financial
calculation of tangible stockholders common equity to tangible assets years | Flushing Financial
contact details | Flushing Financial
wae | Flushing Financial
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Flushing Financial
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