AP NEWS

Flushing Financial Corporation Reports 2Q18 Earnings per Diluted Share of $0.48 an Increase of 23% From 1Q18 Driven by Strong ROAE of 10.5%; Yield on Loan Originations Increased 30 Basis Points From 1Q18

July 24, 2018

SECOND QUARTER 20181 HIGHLIGHTS

-- GAAP diluted EPS was $0.48, up 23.1% QoQ and 9.1% YoY -- Core diluted EPS was $0.49, up 32.4% QoQ and 6.5% YoY -- Net interest income of $42.6 million was relatively unchanged QoQ, but down 2.2% YoY -- Net interest margin was 2.76%, down 3bps QoQ and 19bps YoY -- GAAP and core ROAE were 10.5% and 10.6%, compared with 8.6% and 8.1%, respectively in 1Q18 -- GAAP and core ROAA were both 0.9%, compared with 0.7% in 1Q18

UNIONDALE, N.Y., July 24, 2018 (GLOBE NEWSWIRE) -- Flushing Financial Corporation (the “Company”) (Nasdaq:FFIC), the parent holding company for Flushing Bank (the “Bank”), today announced its financial results for the second quarter ended June 30, 2018.

John R. Buran, President and Chief Executive Officer, stated, “We are pleased to report earnings per diluted common share of $0.48 for the second quarter of 2018, an increase of 23.1% and 9.1% from 1Q18 and 2Q17, respectively. Furthermore, ROAE increased to 10.5% for 2Q18 from 8.6% and 9.6% in 1Q18 and 2Q17, respectively.”

“For the past year, we have articulated our strategic objective of emphasizing rate over volume regarding loan originations. To that end, we decided to allow over $70 million of participations with another financial institution to prepay as the rates being offered through the refinancing process did not meet our lending criteria. Consequently, during the quarter ended June 30, 2018, our loan growth was 0.4%. We believe emphasizing rate over volume is a long-term winning strategy and we are beginning to see tangible results as the average yield in the loan portfolio has risen 10bps over the prior quarter. This was driven by the yield on new loans in the second quarter exceeding the quarterly average loan portfolio yield by 26bps and the yield of total interest earning assets by 47bps. Newly booked loans in 2Q18 had a yield of 4.57% showing an increase of 30bps from the prior quarter.”

“The move toward improved loan yields was further enhanced this quarter as $116 million of mortgage loans repriced from 4.41% to 5.37%. We look for this yield improving trend to continue as we have close to $2 billion in loans repricing through 2020.”

“Despite this good news on yields, deposit pressures outstripped the gains on the loan side as margin pressure continued. The cost of funds increased 14bps QoQ and 36bps YoY. However, the combination of improved loan yields and mitigation strategies that we put in place on the liability side of the balance sheet have decelerated the pace of margin compression from 11bps in 1Q18 to 3bps this quarter.”

“While we remain liability sensitive we have been taking proactive steps to provide further support to our margin and mitigate the impact of future rate increases by extending the maturity on our liabilities and as previously announced entered into forward interest rate swaps totaling $442 million of which $250 million has been funded as of June 30, 2018.”

“We reduced brokered deposits by $164 million partially offsetting them with core growth in our retail operations totaling $89 million. One of the contributing factors to this was our “Win Flushing” program, which focuses on the Asian community, where we are on pace to add $160 million in deposits by the end of 1Q19.”

“As we look forward to continuing our focus on stabilizing, then improving margins, we have additionally focused on bringing in more variable rate C&I loans. Over the last five quarters C&I lending has represented 35% of new loan originations.”

Mr. Buran continued, “As we’ve continued to improve loan yields we have retained our focus on credit quality. Non-performing assets decreased by 18% and, total delinquencies have decreased 3% since December 31, 2017. The allowance for loan losses to gross loans was 0.38% while the allowance for loan losses to non-performing loans increased to 137% from 123% in the linked quarter. The loan-to-value on our non-performing real estate loans at June 30, 2018 remains conservative at 35.1%. The net charge-offs of $322,000 for the quarter reflect the change in the fair value of Chicago taxi medallions from $60,000 to $25,000 per medallion, based upon recent sales transactions. Currently, the Chicago taxi medallion portfolio totals $0.2 million. Our exposure to taxi medallion loans in Chicago and NYC totals $6.2 million, which is 0.12% of total loans.”

“We remain committed to converting our branches to the Universal Banker model. In the 11 branches that have been converted we have experienced an increase of 24% in transactions processed at an ATM, reducing our customers’ reliance on tellers, allowing our branch staff to focus more time on sales opportunities.”

The Company retains its focus on preserving strong risk management practices, including conservative underwriting standards and improving yields to achieve improved risk-adjusted returns.

-- In the second quarter, commercial business, multi-family and commercial real estate loan originations and purchases represented 35%, 28%, and 25%, respectively, of all originations, which were made while maintaining conservative loan-to-values, debt coverage ratios, and increasing yield. -- Multi-family (excluding underlying co-operative mortgages), commercial real estate, and one-to-four family mixed-use property mortgage loans originated during 2Q18 had a yield of 4.27%, an increase of 30bps from 3.97% for 1Q18 and an increase of 8bps from 4.19% for 2Q17. We have maintained our asset quality as these loans had an average loan-to-value ratio of 46.3% and an average debt coverage ratio of 186%. -- The average interest rate obtained for 2Q18 new loans totaled 4.57%, an increase of 30bps compared to 4.27% for 1Q18 and of 53bps compared to 4.04% for 2Q17. -- The average rate of mortgage loan applications in the pipeline totaled 4.67% at June 30, 2018, as compared to 4.41% at March 31, 2018 and 4.17% at June 30, 2017.

Mr. Buran concluded, “Overall, we remain well capitalized and positioned to deliver profitable growth and long-term value to our shareholders as we continue to execute on our strategic objectives.”

Summary of Strategic Objectives

-- Increase core deposits and continue to improve funding mix -- Increase net interest income by leveraging loan pricing opportunities and portfolio mix -- Enhance core earnings power by improving scalability and efficiency -- Manage credit risk -- Maintain well capitalized levels under all stress test scenarios

Earnings Summary:

Net Interest IncomeNet interest income for 2Q18 was $42.6 million, a decrease of $1.0 million, or 2.2% YoY (2Q18 compared to 2Q17) but relatively unchanged QoQ (2Q18 compared to 1Q18). During 2Q18 the increase in the cost of funds outpaced the increase in the yield of interest-earning assets.

-- Net interest margin of 2.76%, decreased 19bps YoY and 3bps QoQ -- Net interest spread of 2.60%, decreased 23bps YoY and 5bps QoQ -- Net interest income includes prepayment penalty income from loans and securities totaling $1.6 million in 2Q18 compared with $1.0 million in 2Q17 and $0.9 million in 1Q18, accelerated accretion of discount upon call of CLO securities of none in 2Q18 and 1Q18 and $0.4 million in 2Q17 and recovered interest from delinquent loans of $0.2 million in 2Q18, compared to $0.3 million in 2Q17 and $0.2 million in 1Q18 -- Excluding prepayment penalty income, accelerated accretion of discount and recovered interest from nonaccrual loans, the yield on interest-earning assets was 3.98% in 2Q18, an improvement from 3.82% in 2Q17 and 3.91% in 1Q18, and the net interest margin was 2.64% in 2Q18, which decreased from 2.83% in 2Q17 and from 2.72% in 1Q18 -- Average balance of total interest-earning assets of $6,181.2 million, increased $262.2 million, or 4.4%, YoY and $82.5 million, or 1.4%, QoQ -- Yield on interest-earning assets of 4.10%, increased 16bps YoY and 11bps QoQ -- Cost of interest-bearing liabilities of 1.50%, increased 39bps YoY and 16bps QoQ -- Cost of funds of 1.41%, increased 36bps YoY and 14bps QoQ, driven by increases in rates paid on certificates of deposit, government deposits and short-term borrowings resulting from the recent increases in the Fed Funds rate

Provision for loan lossesAs a result of continued strong credit quality, there was no provision recorded for 2Q18 and 2Q17 compared to $0.2 million in 1Q18.

Non-interest IncomeNon-interest income for 2Q18 was $3.2 million, an increase of $1.2 million, or 62.6% YoY, and unchanged QoQ.

-- Non-interest income included net gains from the sale of loans of $0.4 million in 2Q18, primarily from the sale of $5.3 million in SBA loans, compared to net losses from the sale of loans of $0.3 million in 1Q18 and net gains of $34,000 in 2Q17 -- Additionally, non-interest income included net losses from fair value adjustments of $0.3 million in 2Q18, $0.1 million in 1Q18 and $1.2 million in 2Q17 and gains from life insurance proceeds of $0.8 million in 1Q18 and $6,000 in 2Q17 -- Absent all above items, non-interest income was $3.0 million, a decrease of $0.1 million YoY, but an increase of $0.2 million QoQ

Non-interest ExpenseNon-interest expense for 2Q18 was $27.4 million, an increase of $1.3 million, or 5.1% YoY, but a decrease of $3.9 million, or 12.5% QoQ.

-- Non-interest expense increased $1.3 million YoY primarily due to increases in consulting, legal and depreciation expense due to the growth of the Bank, but decreased $3.9 million QoQ due to 1Q18 including the impact of annual grants of employees and directors restricted stock unit awards -- The efficiency ratio was 59.6% in 2Q18 compared to 55.8% in 2Q17 and 69.3% in 1Q18

Provision for Income TaxesThe provision for income taxes in 2Q18 was $4.5 million, a decrease of $2.3 million, or 33.7% YoY, but an increase of $1.5 million, or 52.2% QoQ.

-- Pre-tax income decreased by $1.1 million, or 5.6% YoY but increased $4.1 million, or 28.2% QoQ -- The effective tax rates were 24.4% in 2Q18, 34.7% in 2Q17 and 20.5% in 1Q18

Financial Condition Summary:

Loans:

-- Net loans held for investment were $5,313.6 million reflecting an increase of 0.4% QoQ (not annualized) and 3.0% from December 31, 2017, 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 -- During the quarter, we saw an increase in loan satisfactions, which we decided not to refinance, as the interest rate demanded did not fit our strategy of emphasizing rate over volume. -- Loan originations and purchases of multi-family, commercial real estate and commercial business loans totaled $224.5 million for 2Q18, or 87.9% of loan production -- Loan pipeline was $322.9 million at June 30, 2018, compared to $325.6 million at March 31, 2018 and $279.1 million at June 30, 2017 -- The loan-to-value ratio on our portfolio of real estate dependent loans as of June 30, 2018 totaled 38.9%

The following table shows the weighted average rate received from loan originations and purchases for the periods indicated:

For the three months ended ---------------------- June March June 30, 31, 30, ------ ------ ------ Loan type 2018 2018 2017 --------- -------- ------ ------ ------ Mortgage loans 4.40 % 4.15 % 4.01 % Non-mortgage loans 4.90 % 4.43 % 4.13 % Total loans 4.57 % 4.27 % 4.04 % ---- - ---- - ---- -

Credit Quality:

-- Non-performing loans totaled $14.8 million, a decrease of $3.3 million, or 18.4%, from $18.1 million at December 31, 2017 -- Non-performing assets totaled $14.8 million, a decrease of $3.3 million, or 18.3%, from $18.1 million at December 31, 2017 -- Classified assets totaled $44.2 million, an increase of $10.2 million, or 30.0%, from $34.0 million at December 31, 2017, primarily due to six business loan relationships being downgraded as they did not meet certain loan covenants; these loans remain current and accruing -- Loans classified as troubled debt restructured (TDR) totaled $10.6 million, a decrease of $2.6 million, or 19.6%, from $13.2 million at December 31, 2017, primarily due to the sale of one commercial TDR in 1Q18 -- We anticipate continued low loss content in the portfolio, as our strong underwriting standards coupled with our practice of obtaining updated appraisals and recording charge-offs early in the delinquency process has resulted in a 35.1% average loan-to-value for non-performing loans collateralized by real estate at June 30, 2018 -- Net charge-offs totaled $0.3 million during the six months ended June 30, 2018

Capital Management:

-- The Company and Bank, at June 30, 2018, were both well capitalized under all applicable regulatory requirements -- During 2Q18, stockholders’ equity increased $2.7 million, or 0.5%, to $538.0 million due to net income of $13.9 million, partially offset by the declaration and payment of dividends on the Company’s common stock and repurchases of the Company’s common stock -- During 2Q18, the Company repurchased 227,581 treasury shares at an average cost of $26.04 per share; as of June 30, 2018, up to 808,836 shares may be repurchased under the authorized stock repurchase program, which has no expiration or maximum dollar limit -- Book value per common share increased to $19.00 at June 30, 2018, from $18.75 at March 31, 2018 and tangible book value per common share, a non-GAAP measure, increased to $18.44 at June 30, 2018, from $18.20 March 31, 2018

Conference Call Information:

-- 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, July 25, 2018 at 9:30 AM (ET) to discuss the Company’s strategy and results for the second quarter of 2018 -- Dial-in for Live Call: 1-877-509-5836 -- Webcast: https://services.choruscall.com/links/ffic180725.html -- Dial-in for Replay: 1-877-344-7529 -- Replay Access Code: 10120867 -- The conference call will be simultaneously webcast and archived through 5:00 PM (ET) on July 25, 2019

About Flushing Financial Corporation

Flushing Financial Corporation (Nasdaq:FFIC) is the holding company for Flushing Bank®, 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 Long Island. As a leader in real estate lending, the Bank’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®, which offers competitively priced deposit products to consumers nationwide, and BankPurely®, our eco-friendly, healthier lifestyle community brand.

Additional information on Flushing Bank and Flushing Financial Corporation may be obtained by visiting the Company’s website at http://www.flushingbank.com.

“Safe Harbor” Statement under the Private Securities Litigation Reform Act of 1995: 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’s Annual Report on Form 10-K for the fiscal year ended December 31, 2017 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 “may”, “will”, “should”, “could”, “expects”, “plans”, “intends”, “anticipates”, “believes”, “estimates”, “predicts”, “forecasts”, “goals”, “potential” or “continue” 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.

1 See the table entitled “Reconciliation of Non-GAAP Financial Measures.”

- Statistical Tables Follow -

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (Dollars in thousands, except per share data) (Unaudited) For the three months ended For the six months ended June 30, March 31, June 30, June 30, June 30, ---------- ---------- ---------- ----------- ----------- 2018 2018 2017 2018 2017 -------------------------------------------- - ------ - - ------ - - ------ - - ------- - - ------- - Interest and Dividend Income Interest and fees on loans $ 57,322 $ 55,017 $ 51,631 $ 112,339 $ 102,516 Interest and dividends on securities: Interest 5,616 5,468 6,432 11,084 12,527 Dividends 17 14 123 31 244 Other interest income 338 287 129 625 282 Total interest and dividend income 63,293 60,786 58,315 124,079 115,569 - ------ - - ------ - - ------ - - ------- - - ------- - Interest Expense Deposits 14,788 12,110 9,510 26,898 18,490 Other interest expense 5,865 6,067 5,188 11,932 10,073 Total interest expense 20,653 18,177 14,698 38,830 28,563 - ------ - - ------ - - ------ - - ------- - - ------- - Net Interest Income 42,640 42,609 43,617 85,249 87,006 Provision for loan losses - 153 - 153 - Net Interest Income After Provision for Loan 42,640 42,456 43,617 85,096 87,006 Losses - ------ - - ------ - - ------ - - ------- - - ------- - Non-interest Income Banking services fee income 1,000 948 1,014 1,948 1,888 Net gain (loss) on sale of loans 421 (263 ) 34 158 244 Net loss from fair value adjustments (267 ) (100 ) (1,159 ) (367 ) (1,537 ) Federal Home Loan Bank of New York stock 881 876 643 1,757 1,466 dividends Gains from life insurance proceeds - 776 6 776 1,167 Bank owned life insurance 776 762 807 1,538 1,602 Other income 357 201 603 558 807 Total non-interest income 3,168 3,200 1,948 6,368 5,637 - ------ - - ------ - - ------ - - ------- - - ------- - Non-interest Expense Salaries and employee benefits 15,291 18,455 15,424 33,746 32,528 Occupancy and equipment 2,476 2,577 2,654 5,053 5,150 Professional services 2,439 2,185 1,919 4,624 3,915 FDIC deposit insurance 547 500 503 1,047 829 Data processing 1,426 1,401 1,321 2,827 2,524 Depreciation and amortization 1,455 1,389 1,155 2,844 2,320 Other real estate owned/foreclosure expense 40 96 (96 ) 136 255 Net gain from sales of real estate owned (27 ) - - (27 ) - Other operating expenses 3,749 4,691 3,185 8,440 8,108 Total non-interest expense 27,396 31,294 26,065 58,690 55,629 - ------ - - ------ - - ------ - - ------- - - ------- - Income Before Income Taxes 18,412 14,362 19,500 32,774 37,014 - ------ - - ------ - - ------ - - ------- - - ------- - Provision for Income Taxes Federal 3,311 2,607 5,576 5,918 10,325 State and local 1,178 343 1,199 1,521 1,704 Total taxes 4,489 2,950 6,775 7,439 12,029 - ------ - - ------ - - ------ - - ------- - - ------- - Net Income $ 13,923 $ 11,412 $ 12,725 $ 25,335 $ 24,985 - ------ - - ------ - - ------ - - ------- - - ------- - Basic earnings per common share $ 0.48 $ 0.39 $ 0.44 $ 0.88 $ 0.86 Diluted earnings per common share $ 0.48 $ 0.39 $ 0.44 $ 0.88 $ 0.86 Dividends per common share $ 0.20 $ 0.20 $ 0.18 $ 0.40 $ 0.36

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Dollars in thousands, except per share data) (Unaudited) June 30, March 31, December 31, 2018 2018 2017 - --------- - - --------- - - --------- - ASSETS Cash and due from banks $ 42,805 $ 91,959 $ 51,546 Securities held-to-maturity: Mortgage-backed securities 7,963 7,968 7,973 Other securities 23,130 23,267 22,913 Securities available for sale: Mortgage-backed securities 513,868 512,781 509,650 Other securities 214,755 216,480 228,704 Loans: Multi-family residential 2,247,852 2,286,803 2,273,595 Commercial real estate 1,471,894 1,426,847 1,368,112 One-to-four family ― mixed-use property 564,474 566,930 564,206 One-to-four family ― residential 187,741 190,115 180,663 Co-operative apartments 7,839 6,826 6,895 Construction 33,826 23,887 8,479 Small Business Administration 14,405 20,004 18,479 Taxi medallion 6,225 6,617 6,834 Commercial business and other 783,904 768,440 732,973 Net unamortized premiums and unearned loan fees 15,647 16,395 16,763 Allowance for loan losses (20,220 ) (20,542 ) (20,351 ) Net loans 5,313,587 5,292,322 5,156,648 Interest and dividends receivable 24,184 22,578 21,405 Bank premises and equipment, net 30,658 31,314 30,836 Federal Home Loan Bank of New York stock 57,384 54,045 60,089 Bank owned life insurance 131,429 130,653 131,856 Goodwill 16,127 16,127 16,127 Other assets 91,726 83,277 61,527 Total assets $ 6,467,616 $ 6,482,771 $ 6,299,274 - --------- - - --------- - - --------- - LIABILITIES Due to depositors: Non-interest bearing $ 388,467 $ 377,861 $ 385,269 Interest-bearing: Certificate of deposit accounts 1,452,016 1,499,326 1,351,933 Savings accounts 225,815 246,888 290,280 Money market accounts 1,069,835 1,032,409 979,958 NOW accounts 1,422,745 1,479,319 1,333,232 Total interest-bearing deposits 4,170,411 4,257,942 3,955,403 Mortgagors’ escrow deposits 50,781 65,979 42,606 Borrowed funds 1,250,732 1,177,101 1,309,653 Other liabilities 69,181 68,581 73,735 Total liabilities 5,929,572 5,947,464 5,766,666 - --------- - - --------- - - --------- - STOCKHOLDERS’ EQUITY Preferred stock (5,000,000 shares authorized; none - - - issued) Common stock ($0.01 par value; 100,000,000 shares authorized; 31,530,595 shares issued at June 30, 2018, March 31, 2018 and December 31, 2017; 28,319,213 shares, 28,546,443 shares and 28,588,266 shares outstanding at June 30, 2018, March 31, 2018 and December 31, 2017, 315 315 315 respectively) Additional paid-in capital 220,432 219,115 217,906 Treasury stock (3,211,382 shares, 2,984,152 shares and 2,942,329 shares at June 30, 2018, March 31, 2018 and December 31, (66,656 ) (60,737 ) (57,675 ) 2017, respectively) Retained earnings 395,960 387,793 381,048 Accumulated other comprehensive loss, net of taxes (12,007 ) (11,179 ) (8,986 ) Total stockholders’ equity 538,044 535,307 532,608 - --------- - - --------- - - --------- - Total liabilities and stockholders’ equity $ 6,467,616 $ 6,482,771 $ 6,299,274 - --------- - - --------- - - --------- -

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES SELECTED CONSOLIDATED FINANCIAL DATA (Dollars in thousands, except per share data) (Unaudited) At or for the three months ended At or for the six months ended June 30, March 31, June 30, June 30, June 30, ------------ - ------------ - ------------ ------------ - ------------ 2018 2018 2017 2018 2017 - ---------- - ---------- - ---------- - ---------- - ---------- Per Share Data Basic earnings per share $ 0.48 $ 0.39 $ 0.44 $ 0.88 $ 0.86 Diluted earnings per share $ 0.48 $ 0.39 $ 0.44 $ 0.88 $ 0.86 Average number of shares outstanding for: Basic earnings per common share 28,844,829 28,974,156 29,135,339 28,909,135 29,077,526 computation Diluted earnings per common share 28,845,611 28,974,757 29,135,945 28,910,034 29,080,182 computation Shares outstanding 28,319,213 28,546,443 28,803,937 28,319,213 28,803,937 Book value per common share (1) $ 19.00 $ 18.75 $ 18.54 $ 19.00 $ 18.54 Tangible book value per common $ 18.44 $ 18.20 $ 18.00 $ 18.44 $ 18.00 share (2) Stockholders’ Equity Stockholders’ equity $ 538,044 $ 535,307 $ 534,091 $ 538,044 $ 534,091 Tangible stockholders’ equity 522,208 519,471 518,355 522,208 518,355 Average Balances Total loans, net $ 5,316,033 $ 5,231,377 $ 4,962,734 $ 5,273,939 $ 4,915,652 Total interest-earning assets 6,181,186 6,098,706 5,918,981 6,140,173 5,896,514 Total assets 6,484,882 6,403,396 6,218,072 6,444,364 6,193,596 Total due to depositors 4,310,491 4,176,457 4,065,810 4,243,844 4,076,859 Total interest-bearing liabilities 5,515,580 5,442,554 5,287,720 5,479,268 5,271,271 Stockholders’ equity 532,027 529,281 529,451 530,662 523,658 Performance Ratios(3) Return on average assets 0.86 % 0.71 % 0.82 % 0.79 % 0.81 % Return on average equity 10.47 8.62 9.61 9.55 9.54 Yield on average interest-earning 4.10 3.99 3.94 4.04 3.92 assets Cost of average interest-bearing 1.50 1.34 1.11 1.42 1.08 liabilities Cost of funds 1.41 1.27 1.05 1.34 1.03 Interest rate spread during period 2.60 2.65 2.83 2.62 2.84 Net interest margin 2.76 2.79 2.95 2.78 2.95 Non-interest expense to average 1.69 1.95 1.68 1.82 1.80 assets Efficiency ratio (4) 59.58 69.34 55.80 64.41 59.87 Average interest-earning assets to average interest-bearing liabilities 1.12 X 1.12 X 1.12 X 1.12 X 1.12 X

1. Calculated by dividing stockholders’ equity by shares outstanding. 2. Calculated by dividing tangible stockholders’ common equity, a non-GAAP measure by shares outstanding. Tangible stockholders’ common equity is stockholders’ equity less intangible assets (goodwill, net of deferred taxes). See “Calculation of Tangible Stockholders’ Common Equity to Tangible Assets”. 3. Ratios are presented on an annualized basis, where appropriate. 4. Efficiency ratio, a non-GAAP measure, was calculated by dividing non-interest expense (excluding OREO expense and the net gain/loss from the sale of OREO) by the total of net interest income and non-interest income (excluding net gains and losses from fair value adjustments and life insurance proceeds).

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES SELECTED CONSOLIDATED FINANCIAL DATA (Dollars in thousands) (Unaudited) At or for At or for At or for the six the year the six months ended months ended ended June 30, December June 30, 2018 31, 2017 2017 --------- --------- --------- Selected Financial Ratios and Other Data Regulatory capital ratios (for Flushing Financial Corporation): Tier 1 capital $ 572,189 $ 563,426 $ 558,756 Common equity Tier 1 capital 534,036 527,727 524,830 Total risk-based capital 667,409 658,777 655,913 Tier 1 leverage capital (well capitalized = 5%) 8.79 % 9.02 % 9.00 % Common equity Tier 1 risk-based capital (well capitalized = 6.5%) 11.07 11.59 11.43 Tier 1 risk-based capital (well capitalized = 8.0%) 11.87 12.38 12.17 Total risk-based capital (well capitalized = 10.0%) 13.84 14.47 14.29 Regulatory capital ratios (for Flushing Bank only): Tier 1 capital $ 644,880 $ 631,285 $ 624,074 Common equity Tier 1 capital 644,880 631,285 624,074 Total risk-based capital 665,100 651,636 646,231 Tier 1 leverage capital (well capitalized = 5%) 9.90 % 10.11 % 10.04 % Common equity Tier 1 risk-based capital (well capitalized = 6.5%) 13.37 13.87 13.58 Tier 1 risk-based capital (well capitalized = 8.0%) 13.37 13.87 13.58 Total risk-based capital (well capitalized = 10.0%) 13.79 14.31 14.07 Capital ratios: Average equity to average assets 8.23 % 8.53 % 8.45 % Equity to total assets 8.32 8.46 8.50 Tangible common equity to tangible assets (1) 8.09 8.22 8.27 Asset quality: Non-accrual loans(2) $ 14,059 $ 15,710 $ 14,130 Non-performing loans 14,789 18,134 15,459 Non-performing assets 14,824 18,134 15,459 Net charge-offs/ (recoveries) 284 11,739 72 Asset quality ratios: Non-performing loans to gross loans 0.28 % 0.35 % 0.31 % Non-performing assets to total assets 0.23 0.29 0.25 Allowance for loan losses to gross loans 0.38 0.39 0.44 Allowance for loan losses to non-performing assets 136.40 112.23 143.33 Allowance for loan losses to non-performing loans 136.72 112.23 143.33 Full-service customer facilities 18 18 19

1. See “Calculation of Tangible Stockholders’ Common Equity to Tangible Assets”. 2. Excludes performing non-accrual TDR loans.

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES NET INTEREST MARGIN (Dollars in thousands) (Unaudited) For the three months ended --------------------------------------------------------------------------------------- June 30, 2018 March 31, 2018 June 30, 2017 --------------------------- --------------------------- --------------------------- Average Yield/ Average Yield/ Average Yield/ Balance Interest Cost Balance Interest Cost Balance Interest Cost ----------- -------- ------ ----------- -------- ------ ----------- -------- ------ Interest-earning Assets: Mortgage loans, net $ 4,509,778 $ 47,673 4.23 % $ 4,442,870 $ 46,112 4.15 % $ 4,297,697 $ 44,879 4.18 % Other loans, net 806,255 9,649 4.79 788,507 8,905 4.52 665,037 6,752 4.06 Total loans, net (1) 5,316,033 57,322 4.31 5,231,377 55,017 4.21 4,962,734 51,631 4.16 - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Taxable securities: Mortgage-backed securities 533,088 3,754 2.82 524,710 3,507 2.67 532,938 3,418 2.57 Other securities 122,601 1,023 3.34 131,078 1,121 3.42 217,599 2,171 3.99 Total taxable 655,689 4,777 2.91 655,788 4,628 2.82 750,537 5,589 2.98 securities - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Tax-exempt securities: (2) Other securities 124,058 856 2.76 124,125 854 2.75 145,812 966 2.65 Total tax-exempt 124,058 856 2.76 124,125 854 2.75 145,812 966 2.65 securities - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Interest-earning deposits and federal funds 85,406 338 1.58 87,416 287 1.31 59,898 129 0.86 sold - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Total interest-earning assets 6,181,186 63,293 4.10 6,098,706 60,786 3.99 5,918,981 58,315 3.94 - ------ ------ - ------ ------ - ------ ------ Other assets 303,696 304,690 299,091 Total assets $ 6,484,882 $ 6,403,396 $ 6,218,072 - --------- - --------- - --------- Interest-bearing Liabilities: Deposits: Savings accounts $ 235,564 285 0.48 $ 265,895 389 0.59 $ 279,723 399 0.57 NOW accounts 1,444,889 3,364 0.93 1,540,465 3,148 0.82 1,517,726 2,331 0.61 Money market 1,110,690 3,983 1.43 1,025,727 3,075 1.20 858,066 1,651 0.77 accounts Certificate of deposit accounts 1,519,348 7,118 1.87 1,344,370 5,463 1.63 1,410,295 5,099 1.45 Total due to 4,310,491 14,750 1.37 4,176,457 12,075 1.16 4,065,810 9,480 0.93 depositors Mortgagors’ escrow accounts 77,343 38 0.20 58,960 35 0.24 73,838 30 0.16 - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Total interest-bearing 4,387,834 14,788 1.35 4,235,417 12,110 1.14 4,139,648 9,510 0.92 deposits Borrowings 1,127,746 5,865 2.08 1,207,137 6,067 2.01 1,148,072 5,188 1.81 - --------- - ------ ------ - --------- - ------ ------ - --------- - ------ ------ Total interest-bearing liabilities 5,515,580 20,653 1.50 5,442,554 18,177 1.34 5,287,720 14,698 1.11 - ------ ------ - ------ ------ - ------ ------ Non interest-bearing demand deposits 370,790 364,983 336,036 Other liabilities 66,485 66,578 64,865 Total liabilities 5,952,855 5,874,115 5,688,621 Equity 532,027 529,281 529,451 - --------- - --------- - --------- Total liabilities $ 6,484,882 $ 6,403,396 $ 6,218,072 and equity - --------- - --------- - --------- Net interest income / net interest rate $ 42,640 2.60 % $ 42,609 2.65 % $ 43,617 2.83 % spread - ------ ------ - ------ ------ - ------ ------ Net interest-earning assets / net interest margin $ 665,606 2.76 % $ 656,152 2.79 % $ 631,261 2.95 % - --------- ------ - --------- ------ - --------- ------ Ratio of interest-earning assets to interest-bearing liabilities 1.12 X 1.12 X 1.12 X ------ ------ ------

1. Loan interest income includes loan fee income (which includes net amortization of deferred fees and costs, late charges, and prepayment penalties) of approximately $0.3 million, $0.1 million and $0.3 million for the three months ended June 30, 2018, March 31, 2018 and June 30, 2017, respectively. 2. Interest income on tax-exempt securities does not include the tax benefit of the tax-exempt securities.

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES NET INTEREST MARGIN (Dollars in thousands) (Unaudited) For the six months ended ------------------------------------------------------------ June 30, 2018 June 30, 2017 ---------------------------- ---------------------------- Average Yield/ Average Yield/ Balance Interest Cost Balance Interest Cost ----------- --------- ------ ----------- --------- ------ Interest-earning Assets: Mortgage loans, net $ 4,476,509 $ 93,785 4.19 % $ 4,255,822 $ 89,308 4.20 % Other loans, net 797,430 18,554 4.65 659,830 13,208 4.00 Total loans, net(1) 5,273,939 112,339 4.26 4,915,652 102,516 4.17 - --------- - ------- ------ - --------- - ------- ------ Taxable securities: Mortgage-backed securities 528,922 7,261 2.75 531,448 6,784 2.55 Other securities 126,816 2,144 3.38 228,412 4,053 3.55 Total taxable securities 655,738 9,405 2.87 759,860 10,837 2.85 - --------- - ------- ------ - --------- - ------- ------ Tax-exempt securities: (2) Other securities 124,091 1,710 2.76 146,155 1,934 2.65 Total tax-exempt securities 124,091 1,710 2.76 146,155 1,934 2.65 - --------- - ------- ------ - --------- - ------- ------ Interest-earning deposits and federal funds sold 86,405 625 1.45 74,847 282 0.75 - --------- - ------- ------ - --------- - ------- ------ Total interest-earning assets 6,140,173 124,079 4.04 5,896,514 115,569 3.92 - ------- ------ - ------- ------ Other assets 304,191 297,082 Total assets $ 6,444,364 $ 6,193,596 - --------- - --------- Interest-bearing Liabilities: Deposits: Savings accounts $ 250,646 674 0.54 $ 267,059 706 0.53 NOW accounts 1,492,413 6,512 0.87 1,542,857 4,538 0.59 Money market accounts 1,068,443 7,058 1.32 859,415 3,150 0.73 Certificate of deposit accounts 1,432,342 12,581 1.76 1,407,528 10,039 1.43 Total due to depositors 4,243,844 26,825 1.26 4,076,859 18,433 0.90 Mortgagors’ escrow accounts 68,202 73 0.21 64,280 57 0.18 - --------- - ------- ------ - --------- - ------- ------ Total interest-bearing deposits 4,312,046 26,898 1.25 4,141,139 18,490 0.89 Borrowings 1,167,222 11,932 2.04 1,130,132 10,073 1.78 - --------- - ------- ------ - --------- - ------- ------ Total interest-bearing liabilities 5,479,268 38,830 1.42 5,271,271 28,563 1.08 - ------- ------ - ------- ------ Non interest-bearing demand deposits 367,903 333,142 Other liabilities 66,531 65,525 Total liabilities 5,913,702 5,669,938 Equity 530,662 523,658 - --------- - --------- Total liabilities and equity $ 6,444,364 $ 6,193,596 - --------- - --------- Net interest income / net interest rate spread $ 85,249 2.62 % $ 87,006 2.84 % - ------- ------ - ------- ------ Net interest-earning assets / net interest margin $ 660,905 2.78 % $ 625,243 2.95 % - --------- ------ - --------- ------ Ratio of interest-earning assets to interest-bearing liabilities 1.12 X 1.12 X ------ ------

1. Loan interest income includes loan fee income (which includes net amortization of deferred fees and costs, late charges, and prepayment penalties) of approximately $0.4 million and $1.0 million for the six months ended June 30, 2018 and 2017, respectively. 2. Interest income on tax-exempt securities does not include the tax benefit of the tax-exempt securities.

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES DEPOSIT COMPOSITION (Unaudited) June June 2018 2018 vs. vs. June 30, March 31, December December September June 30, June 31, 2017 30, 2017, (Dollars in thousands) 2018 2018 2017 % 2017 2017 % Change Change ----------------------- - --------- - --------- - --------- ------- - --------- - --------- ------- Deposits Non-interest bearing $ 388,467 $ 377,861 $ 385,269 0.8 % $ 362,509 $ 349,302 11.2 % Interest bearing: Certificate of deposit accounts 1,452,016 1,499,326 1,351,933 7.4 % 1,404,555 1,332,377 9.0 % Savings accounts 225,815 246,888 290,280 -22.2 % 323,186 325,815 -30.7 % Money market accounts 1,069,835 1,032,409 979,958 9.2 % 991,706 837,565 27.7 % NOW accounts 1,422,745 1,479,319 1,333,232 6.7 % 1,308,821 1,368,441 4.0 % - --------- - --------- - --------- ----- - - --------- - --------- ----- - Total interest-bearing deposits 4,170,411 4,257,942 3,955,403 5.4 % 4,028,268 3,864,198 7.9 % Total deposits $ 4,558,878 $ 4,635,803 $ 4,340,672 5.0 % $ 4,390,777 $ 4,213,500 8.2 % - --------- - --------- - --------- ----- - - --------- - --------- ----- -

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES LOANS (Unaudited) Loan Originations and Purchases For the three months For the six months June 30, March 31, June 30, June 30, June 30, --------- --------- --------- --------- --------- (In thousands) 2018 2018 2017 2018 2017 --------------------------------------- - ------- - ------- - ------- - ------- - ------- Multi-family residential $ 70,972 $ 81,181 $ 63,469 $ 152,153 $ 190,177 Commercial real estate 64,890 71,554 123,559 136,444 159,291 One-to-four family – mixed-use property 12,294 16,068 13,656 28,362 32,198 One-to-four family – residential 6,974 16,968 4,860 23,942 10,780 Co-operative apartments 1,500 - - 1,500 - Construction 9,940 14,679 4,429 24,619 6,973 Small Business Administration 228 1,967 1,870 2,195 2,511 Commercial business and other 88,612 139,407 49,312 228,019 125,796 - ------- - ------- - ------- - ------- - ------- Total $ 255,410 $ 341,824 $ 261,155 $ 597,234 $ 527,726 - ------- - ------- - ------- - ------- - -------

Loan Composition

June 2018 June 2018 vs. vs. June 30, March 31, December 31, December September 30, June 30, June 2017 2017 (Dollars in 2018 2018 2017 % Change 2017 2017 % Change thousands) ------------ - --------- - - --------- - - --------- - --------- - --------- - - --------- - --------- Loans held for investment: Multi-family $ 2,247,852 $ 2,286,803 $ 2,273,595 -1.1 % $ 2,236,173 $ 2,243,643 0.2 % residential Commercial 1,471,894 1,426,847 1,368,112 7.6 % 1,352,775 1,349,634 9.1 % real estate One-to-four family ― mixed-use 564,474 566,930 564,206 0.0 % 556,723 556,906 1.4 % property One-to-four family ― 187,741 190,115 180,663 3.9 % 177,578 181,213 3.6 % residential Co-operative 7,839 6,826 6,895 13.7 % 7,035 7,069 10.9 % apartments Construction 33,826 23,887 8,479 298.9 % 15,811 16,842 100.8 % Small Business 14,405 20,004 18,479 -22.0 % 14,485 10,591 36.0 % Administratio n Taxi 6,225 6,617 6,834 -8.9 % 18,165 18,303 -66.0 % medallion Commercial business and 783,904 768,440 732,973 6.9 % 674,706 644,262 21.7 % other Net unamortized premiums and unearned 15,647 16,395 16,763 -6.7 % 16,925 17,217 -9.1 % loan fees Allowance for loan (20,220 ) (20,542 ) (20,351 ) -0.6 % (25,269 ) (22,157 ) -8.7 % losses - Net loans $ 5,313,587 $ 5,292,322 $ 5,156,648 3.0 % $ 5,045,107 $ 5,023,523 5.8 % - --------- - - --------- - - --------- - ----- - - - --------- - - --------- - ----- - -

Net Loans Activity

Three Months Ended -------------------------------------------------------------------- June 30, March 31, December 31, September, June 30, 30 (In thousands) 2018 2018 2017 2017 2017 -------------- ------------------- - -------- - - -------- - - -------- - - -------- - - -------- - Loans originated and purchased $ 255,410 $ 341,824 $ 328,819 $ 182,925 $ 261,155 Principal reductions (226,030 ) (202,059 ) (209,400 ) (155,007 ) (143,195 ) Loans transferred to held-for-sale - - - - (30,565 ) Loans sold (7,273 ) (2,703 ) (1,018 ) (2,606 ) (16,337 ) Loan charged-offs (416 ) (85 ) (11,616 ) (324 ) (350 ) Foreclosures - (744 ) - - - Net change in deferred (fees) and (748 ) (368 ) (162 ) (292 ) 381 costs Net change in the allowance for 322 (191 ) 4,918 (3,112 ) 54 loan losses Total loan activity $ 21,265 $ 135,674 $ 111,541 $ 21,584 $ 71,143 - -------- - - -------- - - -------- - - -------- - - -------- -

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES NON-PERFORMING ASSETS and NET CHARGE-OFFS (Unaudited) June 30, March 31, December September June 30, 31, 30, (Dollars in thousands) 2018 2018 2017 2017 2017 ---------------------------- - ------ - - ------ - - ------ - - ------ - - ------ - Loans 90 Days Or More Past Due and Still Accruing: Multi-family residential $ - $ - $ - $ 415 $ - Commercial real estate - 1,668 2,424 38 - One-to-four family - - - - 129 - mixed-use property Construction 730 - - - 602 Taxi medallion - - - 1,147 727 Total 730 1,668 2,424 1,729 1,329 - ------ - - ------ - - ------ - - ------ - - ------ - Non-accrual Loans: Multi-family residential 2,165 2,193 3,598 1,309 1,537 Commercial real estate 1,448 1,894 1,473 1,147 1,948 One-to-four family - 2,157 2,396 1,867 2,217 2,971 mixed-use property One-to-four family - 6,969 7,542 7,808 7,434 7,616 residential Co-operative apartments 575 - - - - Small Business - 41 46 50 53 Administration Taxi medallion(1) 743 906 918 - - Commercial business and 2 - - 4 5 other Total 14,059 14,972 15,710 12,161 14,130 - ------ - - ------ - - ------ - - ------ - - ------ - Total Non-performing Loans 14,789 16,640 18,134 13,890 15,459 - ------ - - ------ - - ------ - - ------ - - ------ - Other Non-performing Assets: Real estate acquired through - 638 - - - foreclosure Other asset acquired through 35 106 - - - foreclosure Total 35 744 - - - - ------ - - ------ - - ------ - - ------ - - ------ - Total Non-performing Assets $ 14,824 $ 17,384 $ 18,134 $ 13,890 $ 15,459 - ------ - - ------ - - ------ - - ------ - - ------ - Non-performing Assets to 0.23 % 0.27 % 0.29 % 0.22 % 0.25 % Total Assets Allowance For Loan Losses to 136.7 % 123.5 % 112.2 % 181.9 % 143.3 % Non-performing Loans

(1) Not included in the above analysis are troubled debt restructured taxi medallion loans totaling $5.5 million in 2Q18, $5.7 million in 1Q18, $5.9 million in 4Q17, $4.1 million in 3Q17 and $3.4 million in 2Q17.

Net Charge-Offs (Recoveries)

Three Months Ended -------------------------------------------------- June 30, March December September June 30, 31, 31, 30, (In thousands) 2018 2018 2017 2017 2017 --------------------------------------- - ---- - - ---- - - ------ - - ---- - - ---- - Multi-family residential $ 28 $ 51 $ (1 ) $ 224 $ (53 ) Commercial real estate - - (3 ) (25 ) 4 One-to-four family – mixed-use property (79 ) - (37 ) 1 (67 ) One-to-four family – residential (4 ) (107 ) 212 (58 ) 170 Small Business Administration 18 19 109 (17 ) 14 Taxi medallion 353 - 11,229 - - Commercial business and other 6 (1 ) 4 29 (14 ) - ---- - - ---- - - ------ - - ---- - - ---- - Total net loan charge-offs (recoveries) $ 322 $ (38 ) $ 11,513 $ 154 $ 54 - ---- - - ---- - - ------ - - ---- - - ---- -

Core Diluted EPS, Core ROAE, Core ROAA, tangible book value per common share and core earnings before provision and income taxes are each non-GAAP measures used in this release. A reconciliation to the most directly comparable GAAP financial measures appears in tabular form at the end of this release. The Company believes that these measures are useful for both investors and management to understand the effects of certain non-interest items and provide an alternative view of the Company’s performance over time and in comparison to the Company’s competitors. These measures should not be viewed as a substitute for net income. The Company believes that tangible book value per common share is useful for both investors and management as these are measures commonly used by financial institutions, regulators and investors to measure the capital adequacy of financial institutions. The Company believes these measures facilitate comparison of the quality and composition of the Company’s capital over time and in comparison to its competitors. These measures should not be viewed as a substitute for total shareholders’ equity.

These non-GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for analysis of results reported under GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies.

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES RECONCILIATION OF GAAP EARNINGS and CORE EARNINGS (Dollars in thousands, except per share data) (Unaudited) Three Months Ended Six Months Ended ----------------------------------------- --------------------------- June 30, March 31, June 30, June 30, June 30, 2018 2018 2017 2018 2017 - --------- - - --------- - - --------- - - --------- - - --------- - GAAP income before income taxes $ 18,412 $ 14,362 $ 19,500 $ 32,774 $ 37,014 Net loss from fair value adjustments 267 100 1,159 367 1,537 Gain from life insurance proceeds - (776 ) (6 ) (776 ) (1,167 ) ------------- ------------- ------------- ------------- ------------- Core income before taxes 18,679 13,686 20,653 32,365 37,384 Provision for income taxes for core 4,573 2,982 7,129 7,555 12,149 income Core net income $ 14,106 $ 10,704 $ 13,524 $ 24,810 $ 25,235 - --------- - - --------- - - --------- - - --------- - - --------- - GAAP diluted earnings per common share $ 0.48 $ 0.39 $ 0.44 $ 0.88 $ 0.86 Net loss from fair value adjustments, 0.01 - 0.02 0.01 0.04 net of tax Gain from life insurance proceeds - (0.03 ) - (0.03 ) (0.04 ) Core diluted earnings per common share1 $ 0.49 $ 0.37 $ 0.46 $ 0.86 $ 0.87 - --------- - - --------- - - --------- - - --------- - - --------- - Core net income, as calculated above $ 14,106 $ 10,704 $ 13,524 $ 24,810 $ 25,235 Average assets 6,484,882 6,403,396 6,218,072 6,444,364 6,193,596 Average equity 532,027 529,281 529,451 530,662 523,658 Core return on average assets2 0.87 % 0.67 % 0.87 % 0.77 % 0.81 % Core return on average equity2 10.61 % 8.09 % 10.22 % 9.35 % 9.64 % (1) Core diluted earnings per common share may not foot due to rounding. (2) Ratios are calculated on an annualized basis.

FLUSHING FINANCIAL CORPORATION and SUBSIDIARIES CALCULATION OF TANGIBLE STOCKHOLDERS’ COMMON EQUITY to TANGIBLE ASSETS (Unaudited) June 30, December 31, June 30, (Dollars in thousands) 2018 2017 2017 ------------------------------------ ----------------- - --------- - - --------- - - --------- - Total Equity $ 538,044 $ 532,608 $ 534,091 Less: Goodwill (16,127 ) (16,127 ) (16,127 ) Intangible deferred tax liabilities 291 291 391 Tangible Stockholders’ Common Equity $ 522,208 $ 516,772 $ 518,355 - --------- - - --------- - - --------- - Total Assets $ 6,467,616 $ 6,299,274 $ 6,285,236 Less: Goodwill (16,127 ) (16,127 ) (16,127 ) Intangible deferred tax liabilities 291 291 391 Tangible Assets $ 6,451,780 $ 6,283,438 $ 6,269,500 - --------- - - --------- - - --------- - Tangible Stockholders’ Common Equity to Tangible Assets 8.09 % 8.22 % 8.27 % - --------- - - --------- - - --------- -

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