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  "documentTitle": "Flushing Financial | Results Presentation Deck | 39 slides",
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  "authorName": "Flushing Financial Corporation",
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  "presentationDate": "2024-01-01 00:00:00",
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      "kind": "list",
      "text": "Effective Tax Rate: Expecting mid 20s% for 2024",
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      "text": "Net Interest Income: Expect near term NIM pressure largely from CD repricing; $1.5 billion of retail CDs to mature in 2024 at 4.14%; $744 million of loans to reprice in 2024 at 174 bps higher; Expect NIM expansion longer term",
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      "text": "Noninterest Expense: 2024 Core noninterest expense expected to rise low to mid single digits from 2023 base of $151.4 million; 1Q24 Core noninterest expense to include seasonal expenses less than half of $4.1 million reported in 1Q23",
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      "text": "Balance Sheet: Expect stable loans; Focused on improving funding mix; expect normal seasonal funding patterns",
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      "text": "Noninterest Income: Approximately $46.6MM of back-to-back swaps in the loan pipeline; Other fee income expected to normalize from 4Q23 levels",
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