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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 commentary on ALLL coverage and historical context regarding the Great Recession.",
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      "kind": "chart",
      "text": "Nonperforming Assets (NPAs)",
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      "text": "Adjusted Net Charge-Offs (NCOs)",
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      "text": "Nonperforming Loans (NPLs)",
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      "text": "1 Non-GAAP measures, see appendix for reconciliations. 2 Small ticket equipment finance NPLs include $8.9 million in term lending and $0.7 million in lease financing. 3 Source: S&P Global Market Intelligence for data prior to acquisition on August 1, 2018.",
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      "text": "Allowance for loan and lease losses (\"ALLL\") $56.2 million, or 1.70% of total loans and leases as of September 30, 2020. ALLL 165% of nonperforming loans. Legacy community bank hospitality and theater exposures ALLL coverage of 7.95%. Small ticket equipment finance ALLL coverage of 2.62%. NPAs improved $8.1 million from the linked-quarter, increase in NPA ratio result of lower assets. As of September 30, 2020, nonperforming loans decreased $5.3 million, or 13%, to $34.0 million, on a linked-quarter basis. $2.2 million of NCOs were related to small ticket equipment finance relationships in the fiscal 2020 fourth quarter. Cumulative net charge-offs during the Great Recession were 2.59%, for Crestmark Bank and 0.01%, for the legacy community bank portfolio.",
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      "text": "ASSET QUALITY",
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