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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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      "kind": "list",
      "text": "Effective Tax Rate: Expecting 26-28% for 2023.",
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      "text": "Noninterest Income: ~$145MM of back-to-back swaps in loan pipeline.",
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      "text": "Net Interest Income: Expect NIM pressure until Fed stops raising rates; NIM expansion thereafter; reduced liability sensitivity; loans repricing ~220-230 bps higher.",
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      "text": "Balance Sheet: Expect stable to slight decline in loans for 2023; maintain deposit balances.",
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