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  "documentTitle": "Flushing Financial | Results Presentation Deck | 37 slides",
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  "authorName": "Flushing Financial Corporation",
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  "presentationDate": "2023-07-01 00:00:00",
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      "text": "1. Grow Funding Sources: Average total deposits increased 7.1% YoY and 1.3% QoQ; Average CDs were $2.0B or 29.7% of total average deposits; Cost of deposits increased 39 bps QoQ to 2.68%; Overall cost of funds totaled 2.80%, an increase of 33 bps QoQ",
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      "text": "2. Maintain Loan Portfolio: Loan closings of $158.8MM, down 68.5% YoY, with weighted average yields of 7.14%, up 322bps YoY and 13 bps QoQ; Net loans increased 1.1% YoY; Loan pipeline of $415.5MM, up 56.1% QoQ; Portfolio loan yield increased 17 bps QoQ",
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      "text": "4. Leverage Technology: Digital users and engagement continues to expand with 22% YoY increase in monthly mobile deposit active users and 12% YoY digital banking enrollment growth in June 2023; In 1H23, originated approximately $10.1MM of loan commitments",
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      "text": "3. Focus on Asset Quality: NPAs decreased 6.0% QoQ; only 47 bps of assets; The total real estate portfolio has a low average LTV of <36%; Debt service coverage ratio of 1.8x for multifamily and investor commercial real estate loans",
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      "text": "GAAP ROAA and ROAE 0.41% and 5.12%; Core¹ ROAA and ROAE 0.37% and 4.66%",
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      "text": "¹ See Reconciliation of GAAP Earnings and Core Earnings in Appendix",
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      "text": "2Q23 GAAP EPS $0.29 and Core¹ EPS of $0.26",
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