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  "documentTitle": "Flushing Financial | Investor Presentation Deck | 35 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial Corporation",
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  "presentationDate": "2023-08-01 00:00:00",
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  "nDataPoints": 6,
  "notes": "The chart shows FFIC consistently outperforming the industry in net charge-offs.",
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      "kind": "callout",
      "text": "Weighted average debt service ratios (DSR) for Multifamily and Investor CRE portfolios at ~1.8x. Includes stress test scenarios for rate and expense increases.",
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      "text": "NCOs / Average Loans",
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      "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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      "text": "Based on most recent Annual Loan Review; Based upon a sample size of 89% of loans; 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.",
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      "evidence": "The deck presents information on the company's actions and their impact on liability sensitivity and credit quality",
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      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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