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  "documentTitle": "Flushing Financial | Investor Presentation Deck | 32 slides",
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  "authorName": "Flushing Financial",
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  "presentationDate": "2023-10-01 00:00:00",
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      "text": "The Company continues to have ample liquidity with $3.7 billion of undrawn lines and resources; Uninsured and uncollateralized deposits were 16% of total deposits; Total deposits increased 9.1% YoY; 3Q23 balances were impacted by seasonality and pricing decisions; Checking account openings declined 5% YoY in 3Q23",
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      "text": "Manhattan office buildings are approximately 0.6% of net loans; Over 88% of the loan portfolio is collateralized by real estate with an average loan to value that approximates 36%; Debt service coverage ratio of 1.8x for multifamily and investor commercial real estate loans that reprice through 2025",
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      "text": "Continuing to take actions to position the Company’s balance sheet more towards interest rate risk neutral; During 3Q23, the Company added $100 million of interest rate hedges; Approximately 60% of the loan pipeline consists of floating rate loans including back-to-back loan swaps; Rate sensitivity to a +100 bps shock has been reduced by 66% over the past year; Increased noninterest bearing deposits by $46.6 million QoQ",
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      "text": "Approximately 33% of our branches are in Asian markets; a key focus of our business; Bensonhurst, our 27th branch, opened on September 29, 2023 and expanded our Asian branch presence; Digital banking usage continues to increase with double digit growth in both monthly mobile deposit active users and digital banking enrollment in September 2023 versus a year ago",
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      "text": "Interest Rate Risk, Credit Quality, Liquidity, Customer Experience",
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