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  "documentTitle": "Pathward Financial | Results Presentation Deck | 33 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2021-04-01 00:00:00",
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  "pageNumber": 22,
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  "notes": "Includes specific metrics on loan exposure, portfolio composition, geographic concentration, and COVID-19 monitoring status.",
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      "text": "$191.4 million outstanding, total exposure of $194.4 million including unfunded commitments\n$15.7 million related to construction.\n$185.0 million in commercial real estate and $6.4 million in C&I\nPortfolio comprised of 28 relationships representing 31 individual hotels and 3,017 total rooms\n99% flagged hotel relationships (i.e. Holiday Inn Express, Hampton Inn, Hyatt Place, etc.); 100% limited-service\n24% 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 guarantees by individuals with a strong combined net worth\nAverage loan-to-value of 60% at March 31, 2021\nNo nonperforming loans as of March 31, 2021",
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      "text": "Most hospitality loans that were on deferral are back to P&I payments\n8 hospitality loans upgraded from watch to pass during the quarter\nActive COVID-related deferrals and modifications on $40.8 million in hospitality balances outstanding, working with borrowers on a case-by-case basis",
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      "kind": "title",
      "text": "LEGACY COMMUNITY BANK | HOTEL PORTFOLIO",
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      "kind": "title",
      "text": "AS OF MARCH 31, 2021 | SERVICED BY CENTRAL BANK",
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