{
  "docId": "019de070-34f4-70b9-905c-e58248096979",
  "docSlug": "dba13a6863d57c3b35850eae4170f7ac",
  "documentTitle": "Pathward Financial | Results Presentation Deck | 26 slides",
  "authorId": "pathward-financial",
  "authorName": "Meta Financial Group",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2020-07-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 6,
  "pageCount": 26,
  "prevPage": 5,
  "nextPage": 7,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 30,
  "notes": "Includes three combo charts (bar + line) and supporting bulleted text.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de070-34f4-70b9-905c-e58248096979/6",
  "deckHref": "/decks/019de070-34f4-70b9-905c-e58248096979",
  "deckJsonHref": "/decks/019de070-34f4-70b9-905c-e58248096979.json",
  "deckAnchorHref": "/decks/019de070-34f4-70b9-905c-e58248096979#slide-6",
  "components": [
    {
      "bbox": {
        "h": 0.35,
        "w": 0.43,
        "x": 0.06,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Nonperforming Assets (\"NPAs\")",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "022f525d-c7b1-4ae0-9aed-63fd0d780608",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.43,
        "x": 0.53,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Adjusted Net Charge-Offs (\"NCOs\")",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0384d0ab-72ca-4cb7-9885-34fddfc1b02c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.43,
        "x": 0.06,
        "y": 0.55
      },
      "kind": "chart",
      "text": "Nonperforming Loans (\"NPLs\")",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d7798ad4-8121-4eb9-bab2-309247a3bd38",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.48,
        "x": 0.49,
        "y": 0.53
      },
      "kind": "list",
      "text": "Allowance for loan and lease losses (“ALLL”) $65.7 million, or 1.88% of total loans and leases. ALLL 167% of nonperforming loans. Small ticket equipment finance ALLL coverage of 3.76%.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "30afe5b5-a681-454d-9d62-174344d41f88",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.2,
        "w": 0.48,
        "x": 0.49,
        "y": 0.68
      },
      "kind": "paragraph",
      "text": "As of June 30, 2020, nonperforming loans increased $7.8 million, or 25%, to $39.3 million, on a linked-quarter basis, primarily related to: Legacy community bank portfolio nonperforming loans increased 58% compared to March 31, 2020; Commercial finance portfolio nonperforming loans increased 22% compared to March 31, 2020.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "84e3eb8e-bef0-49e9-9a9e-5f277d3efc38",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.07,
        "w": 0.75,
        "x": 0.02,
        "y": 0.91
      },
      "kind": "source-note",
      "text": "1 Non-GAAP measures, see appendix for reconciliations. 2 Source: S&P Global Market Intelligence for data prior to acquisition on August 1, 2018. 3 Small ticket equipment finance NPLs change from the March 2020 quarter include $4.2 million in term lending and ($175) thousand in lease financing.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "82c6447a-786a-4c39-a83a-7ff5122686c9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.22,
        "x": 0.04,
        "y": 0.06
      },
      "kind": "title",
      "text": "Asset Quality",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "111c39cc-ef79-4011-a23b-dc502045ea0b",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 7,
      "from": 4,
      "beatId": "b3845d87-5a65-4c9f-b05e-c60cdf09d0f9",
      "arcName": "AIDA",
      "arcSlug": "aida",
      "beatName": "Interest",
      "beatSlug": "aida-interest",
      "evidence": "The presentation provides selected financial highlights and KPI overviews to generate interest.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Complication",
      "parentBeatSlug": "complication"
    }
  ],
  "loops": [
    {
      "to": 7,
      "from": 4,
      "name": "Golden Circle",
      "slug": "11-golden-circle",
      "bestFor": "Visionary leadership, brand positioning, mission statements",
      "matchId": "ebd7bc32-b1f8-4199-a39b-205779e93882",
      "evidence": "The presentation uses the golden circle to explain the company's financial highlights and KPI overviews.",
      "position": 0,
      "objective": "Why the company's diversified earning asset portfolio is important",
      "structure": "The Why (Belief) -> The How (Process) -> The What (Result)",
      "confidence": 0.7,
      "description": "Invert the typical pitch by starting with why you exist, rather than what you do"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}