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  "documentTitle": "Flushing Financial | Results Presentation Deck | 37 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial Corporation",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
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  "pageNumber": 17,
  "pageCount": 37,
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  "slideType": "peer_benchmark",
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  "density": "dense",
  "nDataPoints": 4,
  "notes": "The chart highlights FFIC's superior credit performance relative to the industry average.",
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  "slideHref": "/slides/019de075-953b-7766-b032-fe34528d7ef3/17",
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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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      "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%.",
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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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