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  "documentTitle": "Pathward Financial | Results Presentation Deck | 25 slides",
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  "notes": "The slide uses a pie chart to show portfolio composition and a line chart to show historical performance metrics.",
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      "kind": "chart",
      "text": "Net Interest Margin and Loan Yields",
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      "text": "Due to the recent sharp rise in interest rates, asset mix changes and overall market conditions, a lag is expected before new and existing loans fully reprice.",
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      "text": "As of December 31, 2022, $1.2B, or 35% of loans and leases contained floating or variable interest rates. Of these, $0.9B are tied to Fed Funds or Prime, with the remaining tied to either LIBOR or the CMT.",
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      "text": "As of December 31, 2022, all variable loans with floors were at or above their floors. This compares to 99% as of September 30, 2022, and 73% as of December 31, 2021.",
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      "text": "Of the $1.2B variable interest rate loans, approximately 71% utilized floor rates in some capacity.",
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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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