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  "documentTitle": "Pathward Financial | Results Presentation Deck | 25 slides",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "Includes a pie chart of portfolio pricing attributes and a multi-line chart for NIM and yields.",
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      "kind": "chart",
      "text": "Net Interest Margin and Loan Yields",
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      "text": "Of the $1.2B variable interest rate loans, approximately 75% utilized floor rates in some capacity.",
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      "text": "As of September 30, 2022, 99% of variable loans with floors were at or above their floors. This compares to 94% as of June 30, 2022, and 60% as of September 30, 2021.",
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      "text": "As of September 30, 2022, $1.2B, or 33% of loans and leases contained floating or variable interest rates. Of these, $1.0B are tied to Fed Funds or Prime, with the remaining tied to either LIBOR or the CMT.",
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      "text": "Due to the recent sharp rise in interest rates, asset mix changes and market conditions, a lag is expected before the new and existing loans reprice and are reflected within the loan yields.",
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      "text": "1 Fixed rate loans and leases are shown for contractual periods. 2 Declines in NIM in FY20 and FY21 associated with elevated cash balances from government stimulus programs. 3 Non-GAAP NIM includes contractual card processing expenses.",
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      "text": "Loan Portfolio Interest Rate Sensitivity",
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