04/30/2025 - 05:00 PM

2025年4月30日- 下午 5:00

MELVILLE, N.Y., April 30, 2025 (GLOBE NEWSWIRE) -- The First of Long Island Corporation (Nasdaq: FLIC, the “Company” or the “Corporation”), the parent of The First National Bank of Long Island (the “Bank”), reportedearningsfor thethreemonths ended March 31, 2025.

纽约梅尔维尔，2025年4月30日（GLOBE NEWSWIRE）-- 第一长岛公司（Nasdaq: FLIC，以下简称 “公司” 或 “法人”），第一国家银行的母公司（以下简称 “银行”），报告截至2025年3月31日的三个月的收益。

Analysis of Earnings– FirstQuarter 2025 Versus Linked Quarter

收益分析– 2025 年第一季度与上一季度对比

Net income for the firstquarter of 2025 increased$512,000 compared to the fourthquarter of 2024. The increase in net income was primarily due toa $795,000 increase in net interest income largely due to an eightbasis point improvement in the net interest margin, and a decrease in noninterest expense of $1.5 million primarily due to branch consolidation expenses of $1.4 million and vesting of equity awardsduring the fourth quarter of 2024 offset by pending merger related system conversion expenses of $468,000 and debit card chargeoffs of $243,000 during the first quarter of 2025. These were partially offset by a provision for credit losses of $168,000 as compared to a provision reversal for credit losses of $381,000 in the fourth quarter, a decrease in noninterest income of $503,000 primarily due to $233,000 of back-to-back swap fees and $225,000 of bank-owned life insurance ("BOLI") benefit payments earned in the fourth quarter, and an increase in income tax expense of $761,000 substantially due to a decrease in the percentage of pre-tax income derived from the Bank's real estate investment trust, increasing the state and local income tax due.

2025 年第一季度的净收入较 2024 年第四季度增加了 512,000 美元。净收入的增加主要是由于净利息收入增加了 795,000 美元，这主要得益于净利息差改善了 8 个基点，以及非利息支出减少了 150 万美元，主要是由于分支机构整合费用为 140 万美元和 2024 年第四季度股权奖励的归属，抵消了 2025 年第一季度与待合并相关的系统转换费用 468,000 美元和借记卡坏账 243,000 美元。这些部分被 168,000 美元的信用损失准备金所抵消，而 2024 年第四季度则是 381,000 美元的信用损失准备金的逆转，非利息收入减少了 503,000 美元，主要是由于 2024 年第四季度的 233,000 美元的掉期费用和 225,000 美元的银行拥有的寿险（“BOLI”）收益支付，以及 761,000 美元的所得税费用的增加，主要是由于来自银行房地产投资信托的税前收入比例下降，导致州和地方所得税增加。

Analysis of Earnings - First Quarter 2025 Versus First Quarter of 2024

收益分析 - 2025 年第一季度与 2024 年第一季度对比

Net income and earnings per share ("EPS") for the quarterendedMarch 31, 2025were $3.8million and $0.17, respectively, as compared to$4.4million and $0.20, respectively, for the comparable quarter in2024. The principal drivers of the change in net incomewere an increase in net interest income of $661,000, or 3.6%, which was more than offset by an increase in theprovision for credit losses of$168,000,an increasein noninterest expense of $922,000,and anincreasein income tax expense of $193,000. The quarter produced a return on average assets ("ROA") of 0.37%, return on average equity ("ROE") of 3.98%, and a net interest margin of 1.91%.

截至2025年3月31日的季度净收入和每股收益（“EPS”）分别为 380 万美元和 0.17 美元，而 2024 年同期则为 440 万美元和 0.20 美元。净收入变化的主要驱动因素是净利息收入增加了 661,000 美元，或 3.6%，但被 168,000 美元的信用损失准备金增加、922,000 美元的非利息支出增加和 193,000 美元的所得税费用增加所抵消。该季度的平均资产回报率（“ROA”）为 0.37%，平均股本回报率（“ROE”）为 3.98%，净利息差为 1.91%。

Net interest income increasedwhen comparing the first quartersof 2025and 2024primarily due to a decreasein interest expense of $2.0million whichwas partially offset by a $1.4million decreasein interest income. The decrease in interest expense was a combination of a 16 basis points decrease in the cost of interest-bearing liabilities and a decrease in average interest-bearing liabilities of $92.9 million.The decrease in interest income resulted from interest-earning assets decreasing by $156.6 million offset by the yield on interest-earning assets increasing twobasis points.

2025 年和 2024 年第一季度相比，净利息收入的增加主要是由于利息支出减少了 200 万美元，部分抵消了 140 万美元的利息收入减少。利息支出的减少是由于利息负债成本下降了 16 个基点，以及平均利息负债减少了 9290 万美元。利息收入的减少是由于利息收益资产减少了 1.566 亿美元，部分抵消了利息收益资产收益率增加了两个基点。

In the first quarter of2025, the Bank recorded a provision for credit losses of $168,000. The Bank did not record aprovision in the first quarter of 2024.The allowance for credit losses remained relatively flatwhen compared to year-end 2024 largely due to declines in historical loss rates and loan balances which were offset by an increase due to deterioration in current and forecasted economic conditions, including adjustments for economic uncertainty. The reserve coverage ratio ticked up one basis point to0.89%of total loans at March 31, 2025as compared to0.88%at December 31, 2024.Past due loans and nonaccrual loans were at $7.5million and $3.5million, respectively, on March 31, 2025. Overall, the credit quality of the loan and investment portfolios remains strong.

在 2025 年第一季度，银行记录了 168,000 美元的信用损失准备金。2024 年第一季度银行没有记录准备金。与 2024 年年末相比，信用损失准备金保持相对平稳，主要是由于历史损失率和贷款余额的下降，抵消了由于当前和预测经济状况恶化而增加的准备金，包括对经济不确定性的调整。到2025年3月31日，准备金覆盖率上升了一个基点，达到总贷款的 0.89%，而2024年12月31日为 0.88%。截至2025年3月31日，逾期贷款和不计息贷款分别为 750 万美元和 350 万美元。总体而言，贷款和投资组合的信用质量仍然强劲。

Noninterest income decreased$57,000, or 2.1%, when comparing the firstquartersof 2025and 2024mainly due to 2024 nonrecurring items of$114,000 in real estate tax refunds, $60,000 in BOLI benefit payments, $50,000 in joint marketing fees and an additional one-time service charge cycle related to the Bank's core system conversion,which were partially offset by increases of $96,000 in merchant card service fees and $72,000 in BOLI accretion.

与 2025 年和 2024 年第一季度相比，非利息收入减少了 57,000 美元，或 2.1%，主要是由于 2024 年的非经常性项目，包括 114,000 美元的房地产税退款、60,000 美元的 BOLI 收益支付、50,000 美元的联合营销费用以及与银行核心系统转换相关的额外一次性服务费，这些部分被商户卡服务费增加 96,000 美元和 BOLI 增值 72,000 美元所抵消。

Noninterest expense increased $922,000, or 5.7%, for the first quarterof 2025, as compared to the first quarterof2024. The change in noninterest expense is mainly attributable to the current year's expenses related to the pending merger. Noninterest expense increaseddue to merger expenses of $230,000,merger related system conversion expenses of $468,000,debit card chargeoffs of $243,000and higher legal fees, partially offset by a 2.6%year-over-year decrease in salaries and employee benefits. The decrease in salaries and employee benefitswas due to a decrease in full time equivalent employees, primarily the result of branch closings in 2024.

与 2024 年第一季度相比，2025 年第一季度的非利息支出增加了 922,000 美元，或 5.7%。非利息支出变化主要归因于本年度与待合并相关的费用。非利息支出因合并费用增加了 230,000 美元、合并相关系统转换费用增加了 468,000 美元、借记卡坏账 243,000 美元和更高的法律费用而增加，部分被薪资和员工福利同比减少 2.6% 所抵消。薪资和员工福利的减少主要是由于 2024 年分支机构关闭导致的全职员工减少。

Income tax expense increased$193,000due to an increase in the effective tax rate from6.2%in the first quarter of 2024 to 11.5%in the current quarter.The increase in the effective tax rate is mainly due to the same reasons discussed above with respect to the linked quarter changes.

所得税费用增加了 193,000 美元，主要是由于有效税率从 2024 年第一季度的 6.2% 上升到当前季度的 11.5%。有效税率的增加主要是由于与上一季度变化相关的相同原因。

Liquidity

流动性

Total average deposits declinedby$51.9million when comparing thefirst quarters of2025and2024. There were no overnight advances on March 31, 2025or December 31, 2024.On March 31, 2025,other borrowings were down by$75.0million from year-end 2024.At March 31, 2025, the Bank had $653.3million in collateralized borrowing lines with the Federal Home Loan Bank of New York and the Federal Reserve Bank, a$20.0million unsecured line of credit with a correspondent bank and$204.8million in unencumberedsecurities. In total,$878.1million in liquidity was available on March 31, 2025. Uninsureddeposits were 49.5%of total deposits at March 31, 2025.

与 2025 年和 2024 年第一季度相比，总平均存款减少了 5190 万美元。2025年3月31日和2024年12月31日没有过夜借款。到2025年3月31日，其他借款较 2024 年年末减少了 7500 万美元。到2025年3月31日，银行在纽约联邦住房贷款银行和美联储银行拥有 6.533 亿美元的抵押借款额度、与一家对应银行的 2000 万美元无担保信用额度和 2.048 亿美元的无担保证券。到2025年3月31日，总共可用流动性为 8.781 亿美元。到2025年3月31日，无保险存款占总存款的 49.5%。

Capital

资本

The Corporation’s capital position remains strong with a leverage ratio of approximately 10.29%on March 31, 2025. Book value per share was $16.91on March 31, 2025, versus $16.77on December 31, 2024. The Company declared its quarterly cash dividend of $0.21per share during the quarter. There were no share repurchases during the quarter.

截至2025年3月31日，公司的资本状况仍然强劲，杠杆比率约为 10.29%。每股账面价值为 16.91 美元，而2024年12月31日为 16.77 美元。公司在本季度宣布每股现金分红 0.21 美元。本季度没有进行股票回购。

Forward Looking Information

前瞻性信息

This earnings release contains various “forward-looking statements” within the meaning of that term as set forth in Rule 175 of the Securities Act of 1933 and Rule 3b-6 of the Securities Exchange Act of 1934. Such statements are generally contained in sentences including the words “may” or “expect” or “could” or “should” or “would” or “believe” or “anticipate”. The Corporation cautions that these forward-looking statements are subject to numerous assumptions, risks and uncertainties that could cause actual results to differ materially from those contemplated by the forward-looking statements. Factors that could cause future results to vary from current management expectations include, but are not limited to, changing economic conditions; legislative and regulatory changes; changes in domestic or international governmental policies, including the imposition of tariffs; monetary and fiscal policies of the federal government; changes in interest rates; deposit flows and the cost of funds; demand for loan products; competition; changes in management’s business strategies; changes in accounting principles, policies or guidelines; changes in real estate values; and other factors discussed in the “risk factors” section of the Corporation’s filings with the Securities and Exchange Commission (“SEC”). The forward-looking statements are made as of the date of this press release, and the Corporation assumes no obligation to update the forward-looking statements or to update the reasons why actual results could differ from those projected in the forward-looking statements.

本财报发布包含了根据 1933 年证券法第 175 条和 1934 年证券交易法第 3b-6 条的定义的各种 “前瞻性声明”。这些声明通常包含 “可能”、“预期”、“能够”、“应该”、“会”、“相信” 或 “预计” 等词语。公司提醒，前瞻性声明受到众多假设、风险和不确定性的影响，这些因素可能导致实际结果与前瞻性声明中所设想的结果存在重大差异。可能导致未来结果与当前管理预期不符的因素包括但不限于：经济条件变化；立法和监管变化；国内或国际政府政策变化，包括关税的实施；联邦政府的货币和财政政策；利率变化；存款流动和资金成本；贷款产品需求；竞争；管理业务战略变化；会计原则、政策或指南的变化；房地产价值变化；以及在公司向证券交易委员会（“SEC”）提交的文件的 “风险因素” 部分讨论的其他因素。前瞻性声明是在本新闻稿发布之日作出的，公司不承担更新前瞻性声明或更新实际结果可能与前瞻性声明中预测的结果不同的原因的义务。

For more detailed financial information please see the Corporation’s quarterly report on Form 10-Q for the quarter ended March 31, 2025. The Form 10-Q will be available through the Bank’s website at www.fnbli.com on or about May 1, 2025, when it is anticipated to be electronically filed with the SEC. Our SEC filings are also available on the SEC’s website at www.sec.gov.

有关更详细的财务信息，请参见公司截至2025年3月31日的 10-Q 季度报告。该 10-Q 表格预计将于2025年5月1日左右在银行网站 www.fnbli.com 上发布，并将以电子方式提交给 SEC。我们的 SEC 文件也可以在 SEC 网站 www.sec.gov 上获取。



CONSOLIDATED BALANCE SHEETS (Unaudited)

	3/31/2025			12/31/2024
	(dollars in thousands)
Assets:
Cash and cash equivalents	$	67,555			$	38,330
Investment securities available-for-sale, at fair value		615,350				624,779

Loans:
Commercial and industrial		134,095				136,732
Secured by real estate:
Commercial mortgages		1,929,881				1,963,107
Residential mortgages		1,065,380				1,084,090
Home equity lines		33,452				36,468
Consumer and other		1,126				1,210
		3,163,934				3,221,607
Allowance for credit losses		(28,308	)			(28,331	)
		3,135,626				3,193,276

Restricted stock, at cost		24,329				27,712
Bank premises and equipment, net		28,411				29,135
Right-of-use asset - operating leases		18,358				18,951
Bank-owned life insurance		117,471				117,075
Pension plan assets, net		11,693				11,806
Deferred income tax benefit		35,022				36,192
Other assets		22,491				22,080
	$	4,076,306			$	4,119,336
Liabilities:
Deposits:
Checking	$	1,072,766			$	1,074,671
Savings, NOW and money market		1,587,030				1,574,160
Time		635,789				616,027
		3,295,585				3,264,858

Overnight advances		—				—
Other borrowings		360,000				435,000
Operating lease liability		20,348				21,964
Accrued expenses and other liabilities		17,533				18,648
		3,693,466				3,740,470
Stockholders' Equity:
Common stock, par value $0.10 per share:
Authorized, 80,000,000 shares;
Issued and outstanding, 22,635,724 and 22,595,349 shares		2,264				2,260
Surplus		79,866				79,731
Retained earnings		353,043				354,051
		435,173				436,042
Accumulated other comprehensive loss, net of tax		(52,333	)			(57,176	)
		382,840				378,866
	$	4,076,306			$	4,119,336



合并资产负债表
（未经审计）
	2025年3月31日			2024年12月31日
	(单位：千美元)
资产：
现金及现金等价物	$	67,555			$	38,330
可供出售投资证券，按公允价值计		615,350				624,779

贷款：
商业和工业贷款		134,095				136,732
以房地产为担保：
商业抵押贷款		1,929,881				1,963,107
住宅抵押贷款		1,065,380				1,084,090
房屋净值信贷额度		33,452				36,468
消费贷款及其他		1,126				1,210
		3,163,934				3,221,607
信贷损失准备金		(28,308	)			(28,331	)
		3,135,626				3,193,276

限制性股票，按成本计		24,329				27,712
银行房产及设备，净额		28,411				29,135
使用权资产 - 租赁		18,358				18,951
银行拥有的寿险		117,471				117,075
养老金计划资产，净额		11,693				11,806
递延所得税收益		35,022				36,192
其他资产		22,491				22,080
	$	4,076,306			$	4,119,336
负债：
存款：
支票存款	$	1,072,766			$	1,074,671
储蓄、NOW 和货币市场		1,587,030				1,574,160
定期存款		635,789				616,027
		3,295,585				3,264,858

隔夜贷款		—				—
其他借款		360,000				435,000
租赁负债		20,348				21,964
应计费用及其他负债		17,533				18,648
		3,693,466				3,740,470
股东权益：
普通股，面值每股$0.10：
授权，80,000,000 股；
已发行和流通，22,635,724 和 22,595,349 股		2,264				2,260
盈余公积		79,866				79,731
留存收益		353,043				354,051
		435,173				436,042
累计其他综合损失，税后		(52,333	)			(57,176	)
		382,840				378,866
	$	4,076,306			$	4,119,336



CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

	Three Months Ended
	3/31/2025			3/31/2024
	(dollars in thousands)
Interest and dividend income:
Loans	$	33,785			$	33,543
Investment securities:
Taxable		5,374				6,993
Nontaxable		956				960
		40,115				41,496
Interest expense:
Savings, NOW and money market deposits		10,318				10,083
Time deposits		6,403				6,977
Overnight advances		71				263
Other borrowings		4,501				6,012
		21,293				23,335
Net interest income		18,822				18,161
Provision for credit losses		168				—
Net interest income after provision for credit losses		18,654				18,161

Noninterest income:
Bank-owned life insurance		912				840
Service charges on deposit accounts		829				880
Net loss on sales of securities		—				—
Other		976				1,054
		2,717				2,774
Noninterest expense:
Salaries and employee benefits		9,711				9,974
Occupancy and equipment		3,233				3,214
Merger expenses		230				—
Other		3,954				3,018
		17,128				16,206
Income before income taxes		4,243				4,729
Income tax expense		487				294
Net income	$	3,756			$	4,435

Share and Per Share Data:
Weighted Average Common Shares		22,625,117				22,520,568
Dilutive restricted stock units		86,270				73,827
Dilutive weighted average common shares		22,711,387				22,594,395

Basic EPS	$	0.17			$	0.20
Diluted EPS		0.17				0.20
Cash Dividends Declared per share		0.21				0.21

FINANCIAL RATIOS
(Unaudited)
ROA		0.37	%			0.42	%
ROE		3.98				4.72
Net Interest Margin		1.91				1.79



合并收入报表
（未经审计）

	截至三个月
	2025年3月31日			2024年3月31日
	(单位：千美元)
利息和股息收入：
贷款	$	33,785			$	33,543
投资证券：
应税		5,374				6,993
非应税		956				960
		40,115				41,496
利息支出：
储蓄、NOW 和货币市场存款		10,318				10,083
定期存款		6,403				6,977
隔夜贷款		71				263
其他借款		4,501				6,012
		21,293				23,335
净利息收入		18,822				18,161
信贷损失准备		168				—
扣除信贷损失准备后的净利息收入		18,654				18,161

非利息收入：
银行拥有的寿险		912				840
存款账户服务费		829				880
证券销售净损失		—				—
其他		976				1,054
		2,717				2,774
非利息支出：
薪资和员工福利		9,711				9,974
房屋和设备		3,233				3,214
合并费用		230				—
其他		3,954				3,018
		17,128				16,206
税前收入		4,243				4,729
所得税费用		487				294
净收入	$	3,756			$	4,435

每股数据：
加权平均普通股		22,625,117				22,520,568
稀释性限制性股票单位		86,270				73,827
稀释后的加权平均普通股		22,711,387				22,594,395

基本每股收益	$	0.17			$	0.20
稀释每股收益		0.17				0.20
每股现金分红		0.21				0.21

财务比率
（未经审计）
资产回报率		0.37	%			0.42	%
股东权益回报率		3.98				4.72
净利息差		1.91				1.79



PROBLEM AND POTENTIAL PROBLEM LOANS AND ASSETS (Unaudited)

	3/31/2025			12/31/2024
	(dollars in thousands)
Loans including modifications to borrowers experiencing financial difficulty:
Modified and performing according to their modified terms	$	419			$	421
Past due 30 through 89 days		7,452				270
Past due 90 days or more and still accruing		—				—
Nonaccrual		3,510				3,229
		11,381				3,920
Other real estate owned		—				—
	$	11,381			$	3,920

Allowance for credit losses	$	28,308			$	28,331
Allowance for credit losses as a percentage of total loans		0.89	%			0.88	%
Allowance for credit losses as a multiple of nonaccrual loans		8.1	x			8.8	x



问题及潜在问题贷款和资产
（未经审计）

	2025年3月31日			2024年12月31日
	(单位：千美元)
包括对经历财务困难的借款人进行修改的贷款：
根据修改条款修改并正常履行的贷款	$	419			$	421
逾期 30 至 89 天		7,452				270
逾期 90 天或更长时间且仍在计息		—				—
不计息		3,510				3,229
		11,381				3,920
其他房地产		—				—
	$	11,381			$	3,920

信贷损失准备金	$	28,308			$	28,331
信贷损失准备金占总贷款的百分比		0.89	%			0.88	%
信贷损失准备金与不计息贷款的倍数		8.1	x			8.8	x



AVERAGE BALANCE SHEET, INTEREST RATES AND INTEREST DIFFERENTIAL (Unaudited)

	Three Months Ended March 31,
	2025			2024
	Average			Interest/		Average		Average		Interest/		Average
(dollars in thousands)	Balance			Dividends		Rate		Balance		Dividends		Rate
Assets:
Interest-earning bank balances	$	28,537			$	313	4.45	%	$	55,117			$	751	5.48	%
Investment securities:
Taxable (1)		568,162				5,061	3.56			638,857				6,242	3.91
Nontaxable (1) (2)		151,745				1,210	3.19			153,417				1,215	3.17
Loans (1)		3,185,771				33,785	4.24			3,243,445				33,543	4.14
Total interest-earning assets		3,934,215				40,369	4.10			4,090,836				41,751	4.08
Allowance for credit losses		(28,399	)							(28,947	)
Net interest-earning assets		3,905,816								4,061,889
Cash and due from banks		28,197								31,703
Premises and equipment, net		28,912								31,257
Other assets		130,528								120,884
	$	4,093,453							$	4,245,733
Liabilities and Stockholders' Equity:
Savings, NOW & money market deposits	$	1,572,109				10,318	2.66		$	1,534,081				10,083	2.64
Time deposits		612,730				6,403	4.24			643,854				6,977	4.36
Total interest-bearing deposits		2,184,839				16,721	3.10			2,177,935				17,060	3.15
Overnight advances		6,322				71	4.55			18,846				263	5.61
Other borrowings		416,944				4,501	4.38			504,258				6,012	4.80
Total interest-bearing liabilities		2,608,105				21,293	3.31			2,701,039				23,335	3.47
Checking deposits		1,067,804								1,126,593
Other liabilities		35,260								40,014
		3,711,169								3,867,646
Stockholders' equity		382,284								378,087
	$	4,093,453							$	4,245,733

Net interest income (2)					$	19,076							$	18,416
Net interest spread (2)							0.79	%							0.61	%
Net interest margin (2)							1.91	%							1.79	%



平均资产负债表、利率和利差（未经审计）

	截至 3 月 31 日的三个月
	2025			2024
	平均			利息/		平均		平均		利息/		平均
(单位：千美元)	余额			股息		利率		余额		股息		利率
资产：
赚取利息的银行余额	$	28,537			$	313	4.45	%	$	55,117			$	751	5.48	%
投资证券：
应税 (1)		568,162				5,061	3.56			638,857				6,242	3.91
非应税 (1) (2)		151,745				1,210	3.19			153,417				1,215	3.17
贷款 (1)		3,185,771				33,785	4.24			3,243,445				33,543	4.14
总赚取利息的资产		3,934,215				40,369	4.10			4,090,836				41,751	4.08
信用损失准备金		(28,399	)							(28,947	)
净赚取利息的资产		3,905,816								4,061,889
现金及银行存款		28,197								31,703
房产及设备，净额		28,912								31,257
其他资产		130,528								120,884
	$	4,093,453							$	4,245,733
负债和股东权益：
储蓄、NOW 及货币市场存款	$	1,572,109				10,318	2.66		$	1,534,081				10,083	2.64
定期存款		612,730				6,403	4.24			643,854				6,977	4.36
总赚取利息的存款		2,184,839				16,721	3.10			2,177,935				17,060	3.15
隔夜贷款		6,322				71	4.55			18,846				263	5.61
其他借款		416,944				4,501	4.38			504,258				6,012	4.80
总赚取利息的负债		2,608,105				21,293	3.31			2,701,039				23,335	3.47
支票存款		1,067,804								1,126,593
其他负债		35,260								40,014
		3,711,169								3,867,646
股东权益		382,284								378,087
	$	4,093,453							$	4,245,733

净利息收入 (2)					$	19,076							$	18,416
净利差 (2)							0.79	%							0.61	%
净利息收益率 (2)							1.91	%							1.79	%


(1)	The average balances of loans include nonaccrual loans. The average balances of investment securities exclude unrealized gains and losses on available-for-sale securities.
(2)	Tax-equivalent basis. Interest income on a tax-equivalent basis includes the additional amount of interest income that would have been earned if the Corporation's investment in tax-exempt investment securities had been made in investment securities subject to federal income taxes yielding the same after-tax income. The tax-equivalent amount of $1.00 of nontaxable income was $1.27 for each period presented using the statutory federal income tax rate of 21%.


(1)	贷款的平均余额包括不计利息的贷款。投资证券的平均余额不包括可供出售证券的未实现收益和损失。
(2)	税收等效基础。税收等效基础上的利息收入包括如果公司的税收免税投资证券投资是在产生相同税后收入的联邦所得税的投资证券中进行的，所能获得的额外利息收入。每个报告期内，$1.00 的非应税收入的税收等效金额为$1.27，使用的法定联邦所得税率为 21%。

For More Information Contact:

如需更多信息，请联系：

Janet Verneuille, SEVP and CFO

Janet Verneuille, SEVP 和 CFO

(516) 671-4900, Ext. 7462

第一长岛公司公布 2025 年第一季度财报 | FLIC 股票新闻