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  "documentTitle": "2022 consumer community banking investor day",
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      "text": "1. Adjusted expense excludes CCB legal expense and is a non-GAAP financial measure. Management believes this information helps investors understand the effect of certain items on reported results and provides an alternate presentation of the Firm's performance",
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      "text": "2. Income before income tax expense (pretax income) excluding the change in loan loss reserves (\"pretax income ex. LLR\") and return on equity excluding the change in loan loss reserves (\"ROE ex. LLR\") are non-GAAP financial measures. These metrics reflect the exclusion of the portion of the provision for credit losses attributable to the change in allowance for credit losses. ROE ex. LLR is calculated as net income after preferred stock costs excluding LLR divided by average equity. For CCB average equity for the full years 2021, 2020 and 2019, refer to page 65 of JPMorgan Chase's Annual Report on Form 10-K for the year ended December 31, 2021. For all other periods presented, refer to the CCB Business Segment Results in JPMorgan Chase's Annual Report on Form 10-K for each respective year. The table below provides a reconciliation of reported results to these non-GAAP financial measures",
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