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  "documentTitle": "CrossFirst Bankshares | Results Presentation Deck | 28 slides",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "The slide uses a structured table-like layout to present key performance indicators across three main categories.",
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      "kind": "disclaimer",
      "text": "(1) For all quarters presented, investment yield accrual calculation changed to 30/360 from actual/actual and excludes unrealized gains and losses in the investment portfolio and earning assets. (2) Includes the accrual for off-balance sheet credit risk from unfunded commitments (\"RUC\") that resulted from CECL adoption on January 1, 2022.",
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      "text": "CROSSFIRST BANKSHARES, INC.",
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      "text": "Classified loans / total capital + combined ACL ratio of 11% has declined from 17% at Q3 2021; NCOs / average loans of 0.16% for the quarter and 0.11% on a trailing-twelve-month basis; NPAs / assets decreased 23bps during the quarter to 0.31% and have declined 61bps from Q3 2021",
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      "text": "Loan portfolio increased 3% from Q2 2022; the portfolio increased 11% from Q3 2021; Total deposits increased 5% from the prior quarter and 12% from Q3 2021; DDA as a percentage of total deposits was 22% in Q3 2022",
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      "text": "Net interest income increased 6% on strong loan growth and increased yield; Non-interest expenses declined, partially offset by continued production hiring; Fully tax equivalent NIM increased 4bps to 3.56% during Q3 2022 and has expanded 33bps from Q3 2021",
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      "text": "THIRD QUARTER 2022 HIGHLIGHTS",
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