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  "notes": "The table provides a breakdown of credit quality across various loan categories, including commercial, real estate, and consumer loans.",
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      "text": "(1) Loan balance include $161 million of commercial credit card balances at June 30, 2022; (2) Commercial lease financing includes receivables held as collateral for a secured borrowing of $12 million at June 30, 2022. Principal reductions are based on the cash payments received from these related receivables; (3) Net loan charge-off amounts are annualized in calculation",
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