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  "documentTitle": "First Merchants | Results Presentation Deck | 31 slides",
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  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "The slide uses a mix of bar charts, bulleted lists, and data tables to summarize portfolio composition and credit quality metrics.",
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      "kind": "chart",
      "text": "Top Industries % of C&I loans",
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      "text": "Home Equity / Other Consumer: > 95% of $615 million in consumer loans had a credit score exceeding 669 at origination",
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      "text": "C&I - Sponsor Finance: $798 million to 80 companies... Senior Debt/Adj. EBITDA < 3.0X ~ 68%... Total Debt/Adj. EBITDA < 4.0X ~ 80%... FCCR > 1.50X ~ 68%... ~ 3.8% Classified",
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      "text": "Residential Mortgage: $269 million residential mortgage secured... $2.0 billion residential mortgage loans... > 93% of $1.8 billion in residential portfolio loans had a credit score at origination exceeding 669",
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      "text": "Line utilization Q2'23 at 41.7%... $604 million in Shared National Credits... $64.6 million of SBA guaranteed loans... $0 dollars in operating leases",
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      "text": "Construction Finance breakdown by asset type (Multi-Family, Industrial, etc.) with Balance, Commit, and Constr/Land %",
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