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  "documentTitle": "Flushing Financial | Results Presentation Deck | 40 slides",
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  "authorName": "Flushing Financial Corporation",
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  "presentationDate": "2024-02-01 00:00:00",
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  "slideType": "before_after",
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  "notes": "Uses a 'Before/After' style framing to contrast the bank's actual portfolio against the market's perception of 'Office CRE' risk.",
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      "text": "50 Hudson Yards",
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      "text": "Total office portfolio of $257 million; Average loan size is $3.3 million\nWeighted average LTV of 50% and a weighted average debt service coverage ratio of 1.8x\nNo office loans are nonaccrual and about 26% of the portfolio will have upward rate adjustments through 2024 given today’s interest rates\nMinimal exposure to Manhattan office buildings; over one third is medical",
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      "kind": "title",
      "text": "Office CRE – Most of the Loans Are Outside of Manhattan",
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      "kind": "title",
      "text": "Not Like This",
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      "kind": "title",
      "text": "Our Lending Looks More Like This",
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      "evidence": "Slides 12-20 compare the company's lending profile to peers",
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      "structure": "The Old Way (Pain) -> The Moment of Change -> The New Way (Glory) -> The Measurable Delta",
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