{
  "docId": "019de075-93f3-704c-98c7-1356842e1a43",
  "docSlug": "4f9352f4fdcf9c38a760911cf453be51",
  "documentTitle": "Flushing Financial | Investor Conference Presentation Deck | 38 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 14,
  "pageCount": 38,
  "prevPage": 13,
  "nextPage": 15,
  "slideType": "kpi_overview",
  "function": "summarize",
  "density": "dense",
  "nDataPoints": 8,
  "notes": "The slide uses a line chart to demonstrate historical credit quality performance and a text box to highlight current portfolio resilience metrics.",
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  "slideHref": "/slides/019de075-93f3-704c-98c7-1356842e1a43/14",
  "deckHref": "/decks/019de075-93f3-704c-98c7-1356842e1a43",
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      "kind": "callout",
      "text": "Weighted average debt service ratios (DSR) for Multifamily and Investor CRE portfolios at ~1.8x. 200 bps shock increase in rates produces a weighted average DSR of ~1.33x. 10% increase in operating expense yields a weighted average DSR of ~1.59x.",
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      "kind": "chart",
      "text": "NCOs / Average Loans",
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      "kind": "list",
      "text": "Over two decades and multiple credit cycles, Flushing Financial has a history of better than industry credit quality. Average LTVs on the Real Estate portfolio is <36%. Only $18.2MM of real estate loans (0.3% of gross loans) with an LTV of 75% or more.",
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      "kind": "source-note",
      "text": "Based on most recent Annual Loan Review. Based upon a sample size of 89% of loans adjusting between 2023 and 2025 with no increase in rents or total income. Industry includes FDIC insured institutions. Based on appraised value at origination.",
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      "kind": "title",
      "text": "Net Charge-offs Significantly Better Than the Industry; Strong DSR",
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      "evidence": "Comparing FFIC performance against industry benchmarks over time.",
      "confidence": 0.9
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      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Solution",
      "beatSlug": "sequoia-pitch-solution",
      "evidence": "The deck presents Flushing Financial's strategy and performance metrics.",
      "position": 2,
      "confidence": 0.7,
      "parentBeatName": "Turn",
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      "from": 3,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
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      "evidence": "The deck presents a clear narrative on Flushing Financial's strategy and performance.",
      "position": 0,
      "objective": "The company's actions to address challenges and achieve long-term success.",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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