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  "notes": "The chart uses a grouped bar format to contrast bank-specific performance against a market index.",
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      "text": "Net Charge-Offs/Average Loans",
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      "text": "Our current and historical net charge-offs demonstrate non-performing loans result in low levels of actual losses.",
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      "text": "(a) The calculation of our net charge-offs to average loans excludes taxi medallion-related charge-offs...",
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      "text": "Cumulative Total: NYCB 107 bp, S&P U.S. BMI Banks Index 2,436 bp",
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