{
  "docId": "019de076-a215-77b5-821c-201a2d4c320b",
  "docSlug": "1a380bbb3d0976433d8dca94ac30715d",
  "documentTitle": "Flushing Financial | Investor Conference Presentation Deck | 32 slides",
  "authorId": "flushing-financial",
  "authorName": "Flushing Financial Corporation",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-01-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 14,
  "pageCount": 32,
  "prevPage": 13,
  "nextPage": 15,
  "slideType": "before_after",
  "function": "frame_situation",
  "density": "dense",
  "nDataPoints": 7,
  "notes": "Uses a visual contrast to define lending strategy.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de076-a215-77b5-821c-201a2d4c320b/14",
  "deckHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b",
  "deckJsonHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b.json",
  "deckAnchorHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b#slide-14",
  "components": [
    {
      "bbox": {
        "h": 0.45,
        "w": 0.45,
        "x": 0.55,
        "y": 0.18
      },
      "kind": "image",
      "text": "Large regional mall",
      "attrs": null,
      "subkind": "photo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "06a5f383-1c9f-4ae4-bb6c-b18822bcf321",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.45,
        "w": 0.45,
        "x": 0.05,
        "y": 0.18
      },
      "kind": "image",
      "text": "Local strip mall",
      "attrs": null,
      "subkind": "photo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f7901dee-324a-4023-bb02-a79459256665",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.9,
        "x": 0.05,
        "y": 0.65
      },
      "kind": "list",
      "text": "$0.9B portfolio with 42% located in Queens, Brooklyn, and the Bronx\nWe tend to lend to shopping centers and strip malls 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 16% of this portfolio will mature or reprice in 2024",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b2e633d4-0795-42a0-ab39-911eb5c93f96",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "x": 0.05,
        "y": 0.92
      },
      "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",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c1b6065b-d6f7-431a-abc8-45240d87277a",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.06,
        "w": 0.6,
        "x": 0.05,
        "y": 0.03
      },
      "kind": "title",
      "text": "Retail CRE: Essential to Local Communities",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "799c6a24-f904-4796-b418-3d5a303aa47d",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Before-After-Bridge",
      "slug": "before-after-bridge",
      "agent": "Storyteller",
      "layer": "slide",
      "matchId": "76ca51fd-3d66-4f74-a048-c35594bb03bd",
      "evidence": "image/photo: Large regional mall",
      "confidence": 0.7
    },
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "8deac90b-55d2-4b95-9c39-bb9a76beb724",
      "evidence": "$0.9B portfolio with 42% located in Queens, Brooklyn, and the Bronx",
      "confidence": 0.7
    }
  ],
  "frameworks": [
    {
      "name": "before-after-framing",
      "slug": null,
      "matchId": "760ae455-a689-47b9-b9be-389f08a53265",
      "evidence": "Visual contrast between 'Our Lending' and 'Generally, Not Like This'",
      "confidence": 1
    }
  ],
  "arcBeats": [
    {
      "to": 18,
      "from": 7,
      "beatId": "605d2b61-8a10-4702-b7b8-f5ce11010fd4",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Financials",
      "beatSlug": "sequoia-pitch-financials",
      "evidence": "The presentation provides detailed financial information, including KPI overviews, loan portfolio composition, and capital preservation strategies.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Evidence",
      "parentBeatSlug": "evidence"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}