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  "documentTitle": "Pathward Financial | Results Presentation Deck | 18 slides",
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  "authorName": "Meta Financial Group",
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  "presentationDate": "2022-04-01 00:00:00",
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      "kind": "disclaimer",
      "text": "Adjusted efficiency ratio (excluding the gain on sale of trademarks and rebranding expenses) for the twelve months ended March 31, 2022 was 64.73%. See appendix for Non-GAAP financial measures reconciliations.",
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      "text": "Optimize Deposits: Total deposits fell by $2.8 billion (33%), reduced wholesale deposits by 91%, achieved 0.08% cost of funds.",
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      "text": "Optimize Interest-Earning Assets: Grew commercial finance loans by $409 million (16%), cash dropped by $3.49 billion, reduced Community Banking loans by $348 million.",
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      "text": "SECOND QUARTER BUSINESS HIGHLIGHTS & KEY STRATEGIC INITIATIVES",
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