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Investor Relations14 Oct 2025
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The First of Long Island (FLIC) investor relations material
The First of Long Island Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2025 earnings summary1 May, 2025
Executive summary
Net income for Q1 2025 was $3.8 million, down from $4.4 million in Q1 2024; diluted EPS was $0.17 versus $0.20 year-over-year.
Return on average assets was 0.37% and return on average equity was 3.98% for Q1 2025; net interest margin improved to 1.91%.
Net interest income increased by $661,000 year-over-year, but was offset by higher provision for credit losses, increased noninterest expense, and higher income tax expense.
Noninterest expense rose mainly due to merger-related costs, system conversion expenses, and higher legal fees.
The pending merger with ConnectOne Bancorp, Inc. is expected to close in Q2 2025, subject to regulatory approvals.
Financial highlights
Net interest income for Q1 2025 was $21.3 million, down from $23.3 million in Q1 2024.
Provision for credit losses was $168,000 in Q1 2025, compared to no provision in Q1 2024; ACL to total loans rose to 0.89%.
Noninterest income decreased by $57,000 year-over-year, mainly due to nonrecurring items in 2024.
Noninterest expense increased by $922,000, driven by $230,000 in merger expenses, $468,000 in system conversion costs, and higher legal fees.
Book value per share was $16.91 at March 31, 2025, up from $16.77 at year-end 2024; quarterly cash dividend of $0.21 per share declared.
Outlook and guidance
The merger with ConnectOne Bancorp, Inc. is anticipated to close in Q2 2025, pending regulatory and shareholder approvals.
No share repurchases are expected prior to the merger due to restrictions in the Merger Agreement.
Assess impact of merger on noninterest expense.
Explain drivers of ACL's stability in Q1 2025.
What is the status of the customer lawsuit?
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Frequently asked questions
The First of Long Island Corporation is the holding company for The First National Bank of Long Island, a community-oriented bank. The bank provides a range of financial services, including personal and business banking, residential and commercial mortgage lending, and wealth management. It serves individuals, families, and businesses with a focus on Long Island and the New York metropolitan area. The company is headquartered in Glen Head, New York, and its shares are listed on the NASDAQ.
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