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  "documentTitle": "First Republic Bank | Investor Day Presentation Deck | 137 slides",
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  "presentationDate": "2022-11-01 00:00:00",
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  "notes": "The slide emphasizes conservative lending practices through low LTV ratios and high collateralization.",
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      "text": "82% of total loans are collateralized by real estate. Less than 1% of real estate secured loans were originated with an LTV greater than 80%. All loans are fully underwritten and documented. Debt service coverage ratios are very strong.",
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      "text": "Loan portfolio metrics by category including Single-Family Residential, HELOC, Multifamily, Commercial Real Estate, and Construction.",
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      "kind": "title",
      "text": "Our Credit Standards Are Time-Tested",
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