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  "presentationDate": "2023-11-01 00:00:00",
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      "text": "1. Before dividends on preferred securities and inclusive of non-controlling interest\n2. Before dividends on preferred securities and inclusive of non-controlling interest. Refer to the \"Distributable Earnings Reconciliation by Quarter\" slide for a reconciliation of GAAP Net Income to Distributable Earnings\n3. Return on equity is an annualized percentage equal to quarterly net income over the average monthly total stockholders' equity for the period\n4. Distributable return on equity is an annualized percentage equal to distributable earnings over the average monthly total stockholders' equity for the period. Refer to the \"Distributable Earnings Reconciliation by Quarter\" slide for a reconciliation of GAAP Net Income to Distributable Earnings\n5. Q3 dividend yield for the period is based on the 9/29/2023 closing share price of $10.11\n6. Represents fully committed amounts\n7. Recourse leverage ratio excludes $1.1 billion of secured borrowings that are non-recourse to the Company",
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      "text": "Earnings / Dividends\nNet income of $47.2 million¹, or $0.25 per common share\nDistributable earnings of $52.2 million², or $0.28 per common share\nDeclared dividend of $0.36 per common share\nReturns\nReturn on Equity³ of 7.2%\nDistributable Return on Equity4 of 8.0%\nDividend Yield5 of 14.2%\nLoan Originations / Acquisitions\nCRE originations of $464.4 million\nSBA loan originations of $128.6 million\nResidential mortgage loan originations of $390.8 million\nCapital Markets\nRepaid $115 million of 7.00% Convertible Senior Notes that matured on August 15, 2023\nBalance Sheet\nNet book value per share of $14.42 per common share\nTotal leverage of 3.4x and recourse leverage ratio of 0.9x7",
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      "text": "Third Quarter 2023 Results",
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