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  "notes": "Slide 18 of a quarterly investor update deck.",
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      "kind": "list",
      "text": "Most hospitality loans that were on deferral are back to P&I payments. Active COVID-related deferrals and modifications on $40.8 million in hospitality balances.",
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      "text": "$186.7 million outstanding, total exposure of $197.9 million including unfunded commitments. $29.9 million related to construction. $180.4 million in commercial real estate and $6.3 million in C&I.",
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      "text": "26% of balances located in South Dakota and Iowa. Lower unemployment rate in Sioux Falls & Des Moines MSA relative to National rates.",
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      "text": "Majority of loans have guarantors by individuals with a strong combined net worth. Average loan-to-value of 60% at December 31, 2020. No nonperforming loans.",
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      "text": "LEGACY COMMUNITY BANK | HOTEL PORTFOLIO",
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      "text": "AS OF DECEMBER 31, 2020 | SERVICED BY CENTRAL BANK",
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