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  "documentTitle": "Pathward Financial | Results Presentation Deck | 26 slides",
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  "authorName": "Meta Financial Group",
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  "presentationDate": "2020-11-01 00:00:00",
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  "notes": "Includes specific portfolio breakdown by geography, loan type, and performance status.",
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      "text": "$179.3 million outstanding, total exposure of $201.3 million including unfunded commitments\n$170.6 million in commercial real estate and $8.7 million in C&I",
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      "text": "67% of hotel relationships received PPP loans\nActive third-round COVID-related deferrals and modifications on $79.0 million in hospitality balances outstanding\nFrequent monitoring and discussions with impacted borrowers, including short-term planning (90-day deferrals)",
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      "text": "Portfolio comprised of 30 relationships representing 33 individual hotels and 3,146 total rooms\nFive borrowers, or $7.7 million outstanding, currently have property improvement projects (“PIP”) in place, $45.6 million related to construction\n10% of current outstanding are participation loans\n99% flagged hotel relationships (i.e. Holiday Inn Express, Hampton Inn, Hyatt Place, etc.); 100% limited-service\n26% of balances located in South Dakota and Iowa with majority of the remaining balances through developers headquartered in South Dakota and Iowa\nLower unemployment rate in Sioux Falls & Des Moines MSA, relative to National rates sign of stronger local economies\nMajority of loans have guarantors by individuals with a strong combined net worth\nAverage loan-to-value of 60% at September 30, 2020\nOne nonperforming loan representing $50 thousand as of September 30, 2020",
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      "text": "As of September 30, 2020 | Serviced by Central Bank",
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      "text": "LEGACY COMMUNITY BANK | HOTEL PORTFOLIO",
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