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  "documentTitle": "Pathward Financial | Results Presentation Deck | 20 slides",
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  "presentationDate": "2022-08-01 00:00:00",
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      "kind": "list",
      "text": "Optimize Operating Efficiencies: Efficiency ratio 62.84% vs 61.75%, exited two tax partner relationships, $3.1 million in expense reduction initiatives.",
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      "text": "Optimize Interest-Earning Assets: Grew commercial finance loans by $361 million (14%), cash dropped by $563 million, Community Banking loans reduced by $304 million.",
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      "text": "Optimize Deposits: Total deposits fell by $178 million (3%), reduced wholesale deposits by 92%, achieved 0.12% cost of funds.",
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      "text": "1Adjusted efficiency ratio (excluding the gain on sale of trademarks and rebranding expenses) for the twelve months ended June 30, 2022 was 67.43%. See appendix for Non-GAAP financial measures reconciliations.",
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