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  "docSlug": "eb0f365049866702c5ee1bfd737083f2",
  "documentTitle": "Flushing Financial | Investor Presentation Deck | 32 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-10-01 00:00:00",
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  "pageNumber": 18,
  "pageCount": 32,
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  "slideType": "comparison_table",
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  "density": "dense",
  "nDataPoints": 10,
  "notes": "The chart shows a clear performance gap between FFIC and the industry average.",
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  "slideHref": "/slides/019de075-f5b7-76b3-80e3-a5bbe2b4db06/18",
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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%.",
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      "kind": "source-note",
      "text": "Based on most recent Annual Loan Review; Industry includes FDIC insured institutions; Based on sample size of 89% of loans.",
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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 data on the company's credit quality and comparisons to industry benchmarks.",
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