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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": "2024-03-01 00:00:00",
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      "text": "Since 1929, we have a long history of lending in metro New York City. Historically, credit quality has outperformed the industry and peers. From 2001-2023, median NCOs to average loans has been 4 bps compared to 52 bps for the industry. Median noncurrent loans to total loans has been 37 bps compared to 130 bps for the industry over the same period.",
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      "text": "The key to our success is shared client philosophy. Our clients tend to have low leverage (average LTV is <36%) and strong cash flows (DCR is 1.8x for multifamily and CRE). Multigenerational– our clients tend to build portfolio of properties; generally, buy and hold. Borrowers are not transaction oriented – average real estate loan seasoning is over 8 years, which is generally passed the 5-year reset for multifamily and investor CRE loans. We do not attract clients who are short term borrowers, who want funds on future cash flows, or who are aggressively trying to convert rent regulated units into market rents.",
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      "text": "1 Based on annual loan reviews",
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      "text": "Our Conservative Lending Profile Has Served Us Well Over Many Cycles",
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      "kind": "title",
      "text": "Approach to Real Estate Lending: Low Leverage & Shared Philosophy",
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