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  "docSlug": "eb0f365049866702c5ee1bfd737083f2",
  "documentTitle": "Flushing Financial | Investor Presentation Deck | 32 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-10-01 00:00:00",
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  "pageNumber": 12,
  "pageCount": 32,
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  "notes": "Uses a visual contrast to define lending strategy.",
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      "kind": "image",
      "text": "Strip mall photo",
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      "text": "$0.9B portfolio with 42% located in Queens, Brooklyn, and the Bronx\nWe tend to lend to shopping centers and strip mails versus larger malls\nOur average retail CRE loan is $2.4MM with average seasoning over 6 years\nWeighted average LTV of 53%\nWeighted average debt service coverage ratio is ~1.86x\nNo delinquent loans and only 1% of this portfolio is on the watchlist\nApproximately 6% of this portfolio has rate adjustments in 2023 and 13% in 2024",
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      "kind": "source-note",
      "text": "1 LTVs are based on value at origination\n2 Based on most recent Annual Loan Review\nData as of June 30, 2023",
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      "text": "Retail CRE: Essential to Local Communities",
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      "beatName": "Financials",
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      "evidence": "The deck presents detailed financial information, including KPIs and comparisons to industry benchmarks.",
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      "evidence": "The deck presents data on the company's lending standards and their impact on financial performance.",
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