{
  "docId": "019de075-4f59-70fd-9766-eb4a7ffe41bc",
  "docSlug": "d88c702018a0a479c2781ef6b7fa1768",
  "documentTitle": "Flushing Financial | Results Presentation Deck | 37 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial Corporation",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-07-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 17,
  "pageCount": 37,
  "prevPage": 16,
  "nextPage": 18,
  "slideType": "peer_benchmark",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 2,
  "notes": "The chart shows FFIC consistently outperforming the industry in net charge-offs.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de075-4f59-70fd-9766-eb4a7ffe41bc/17",
  "deckHref": "/decks/019de075-4f59-70fd-9766-eb4a7ffe41bc",
  "deckJsonHref": "/decks/019de075-4f59-70fd-9766-eb4a7ffe41bc.json",
  "deckAnchorHref": "/decks/019de075-4f59-70fd-9766-eb4a7ffe41bc#slide-17",
  "components": [
    {
      "bbox": {
        "h": 0.35,
        "w": 0.45,
        "x": 0.52,
        "y": 0.17
      },
      "kind": "callout",
      "text": "Weighted average debt service ratios (DSR) for Multifamily and Investor CRE portfolios at ~1.8x1\n- 200 bps shock increase in rates produces a weighted average DSR of ~1.33x2\n- 10% increase in operating expense yields a weighted average DSR of ~1.59x2\n- 200 bps shock increase in rates and 10% increase in operating expenses results in a weighted average DSR ~1.192\n- In all scenarios, weighted average LTV is less lean 50%2",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "11bed327-80fd-455e-bf4b-6330aa458e00",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.45,
        "x": 0.05,
        "y": 0.13
      },
      "kind": "chart",
      "text": "NCOs / Average Loans",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c8563bb8-ac2c-4ee9-b489-ca316e68b417",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.9,
        "x": 0.05,
        "y": 0.8
      },
      "kind": "list",
      "text": "Over two decades and multiple credit cycles, Flushing Financial has a history of better than industry credit quality\nAverage LTVs on the Real Estate portfolio is <36%4\n- Only $18.2MM of real estate loans (0.3% of gross loans) with an LTV of 75% or more4",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8649edf1-0480-475e-a39d-9e174c2802ee",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.7,
        "x": 0.15,
        "y": 0.93
      },
      "kind": "source-note",
      "text": "1 Based on most recent Annual Loan Review\n2 Based upon a sample size of 89% of loans adjusting between 2023 and 2025 with no increase in rents or total income\n3 “Industry” includes FDIC insured institutions from “FDIC Statistics At A Glance” through March 31, 2023\n4 Based on appraised value at origination",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6a65895b-42fb-4fdb-8a79-1a3ed2959c67",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.9,
        "x": 0.05,
        "y": 0.03
      },
      "kind": "title",
      "text": "Net Charge-offs Significantly Better Than the Industry; Strong DSR",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "22ee3ec6-f9b4-48e5-bedb-c436058e9305",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Slide recipe: the peer-gap chart",
      "slug": "peer-gap-chart-recipe",
      "agent": "designer",
      "layer": "slide",
      "matchId": "2599e96d-3d3e-4911-ad91-59d46d2836d5",
      "evidence": "type: peer_benchmark; chart/line: NCOs / Average Loans",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 21,
      "from": 10,
      "beatId": "e17a76ca-5e9b-4aa7-af29-24cae21a5077",
      "arcName": "Monroe's Motivated Sequence",
      "arcSlug": "monroes-sequence",
      "beatName": "Satisfaction",
      "beatSlug": "monroes-sequence-satisfaction",
      "evidence": "The company presents its financial performance and achievements",
      "position": 2,
      "confidence": 0.8,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}