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  "notes": "The chart highlights a significant spike in charge-offs for the S&P index during the 2008-2012 period compared to NYCB.",
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      "text": "Cumulative Total NYCB: 135 bp S&P U.S. BMI Banks Index: 2,477 bp",
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      "text": "(a) The calculation of our net charge-offs to average loans excludes taxi medallion-related charge-offs of $59.6 million, $12.8 million, $10.2 million, $11.9 million, and $2 million, for 2017, 2018, 2019, 2020, 2021, and a $(6) million net recovery for 4Q22, respectively.",
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