{
  "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": 15,
  "pageCount": 32,
  "prevPage": 14,
  "nextPage": 16,
  "slideType": "peer_benchmark",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 8,
  "notes": "The slide uses two line charts to show historical performance (2001-2023) and provides specific credit quality metrics (DSR, LTV) to demonstrate risk management.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de076-a215-77b5-821c-201a2d4c320b/15",
  "deckHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b",
  "deckJsonHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b.json",
  "deckAnchorHref": "/decks/019de076-a215-77b5-821c-201a2d4c320b#slide-15",
  "components": [
    {
      "bbox": {
        "h": 0.55,
        "w": 0.44,
        "x": 0.06,
        "y": 0.12
      },
      "kind": "chart",
      "text": "NCOs / Average Loans",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "07887c62-65af-449a-b45b-90b643ec4748",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.55,
        "w": 0.44,
        "x": 0.51,
        "y": 0.12
      },
      "kind": "chart",
      "text": "Noncurrent Loans / Loans",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b15880d2-2637-424c-b0d4-deaa1d4af2c1",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.44,
        "x": 0.51,
        "y": 0.72
      },
      "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 less than 36%. Only $12.6MM of real estate loans (0.2% of gross loans) with an LTV of 75% or more",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "427c6aac-60d8-4754-b3b3-78c728261da6",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.44,
        "x": 0.06,
        "y": 0.72
      },
      "kind": "paragraph",
      "text": "Weighted average debt service ratios (DSR) for Multifamily and Investor CRE portfolios at ~1.8x",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "26d09e6e-d6c6-4db9-b98b-fc32c224154b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.9,
        "x": 0.06,
        "y": 0.93
      },
      "kind": "source-note",
      "text": "1 Industry includes FDIC insured institutions... 2 Based on most recent Annual Loan Review... 3 Based upon a sample size... 4 Based on appraised value at origination",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d56ba574-0c6d-4ebf-97d9-e8487f461f94",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.5,
        "x": 0.06,
        "y": 0.03
      },
      "kind": "title",
      "text": "Low Loan Losses and Noncurrent Loans",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "23c64369-5832-477a-a139-31d5eea83905",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "f8e59239-75f8-4d98-a530-42c294179eda",
      "evidence": "list/bullet: Over two decades and multiple credit cycles, Flushing Financial has a history of better than industry credit quality",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "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
}