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  "documentTitle": "HomeStreet | Results Presentation Deck | 36 slides",
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  "authorName": "HomeStreet",
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  "presentationDate": "2024-01-01 00:00:00",
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      "text": "The information in this presentation, particularly including but not limited to that presented on this slide, is forward-looking in nature, and you should review Item 1A, “Risk Factors,” in our most recent SEC filings...",
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      "text": "Metric, 2 to 3 Quarter Outlook, Comments. Loans Held for Investment, Decreasing Slightly, Lower production levels; Focus on variable rate products; Low prepayment speeds. Average Deposits, Stable, Excluding impact of brokered deposits; Slowing migration of lower cost deposits to higher-cost products; Growth in consumer and business customers; Promotional CD products utilized to raise new money. Net Interest Margin, Stable, Impact of Fed rate increases on deposit and borrowing costs; High level of wholesale funding; Current loan production at higher rates. Noninterest Income, Increasing, Higher levels of Fannie Mae DUS loan sales; Seasonal increases in single family mortgage banking in 2024; Consistent servicing income and deposit fees. Noninterest Expense, Increasing then stable, Seasonal increase in compensation benefit costs in 2024 Q1; Compensation impacted by single family mortgage production; Merger related expenses.",
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