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  "documentTitle": "South Plains Financial | Investor Presentation Deck | 35 slides",
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  "authorName": "South Plains Financial",
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  "presentationDate": "2022-03-01 00:00:00",
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  "notes": "Includes specific callout for 4Q'21 highlights regarding loan loss provisions and ALLL/HFI ratios.",
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      "text": "Credit Quality Ratios (NPA/Total Assets vs NPL/Total Loans)",
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      "text": "ALLL to Total Loans HFI",
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      "text": "Net Charge-Offs to Average Loans",
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      "text": "While growth continued in the loan portfolio, the Company made no provision for loan loss in 4Q'21 in light of the general improvements in the economy and a decline in classified loans of $20.3 million in 4Q'21. Ratio of Allowance for Loan Losses (\"ALLL\") to Loans Held for Investment (\"HFI\") was 1.73% at 12/31/21",
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