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  "documentTitle": "Hilltop Holdings | Results Presentation Deck | 20 slides",
  "authorId": "hilltop-holdings",
  "authorName": "Hilltop Holdings",
  "documentKindSlug": "conference-presentation",
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  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "The chart uses a waterfall bridge to explain the change in ACL from $97.4M to $109.3M.",
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      "text": "Allowance for Credit Losses at Period End",
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      "text": "Applied Moody’s Analytics June 2023 single macroeconomic alternative (S7) scenario for economic forecast. Reserve builds (releases) driven by new loan production, higher rates and slower expected GDP growth in 2023-2024. ACL % of Loans HFI excluding broker-dealer margin loans and mortgage warehouse loans equated to 1.41% as of June 30, 2023",
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      "text": "6/30/23 Reserve Composition",
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      "kind": "title",
      "text": "Hilltop Holdings – Allowance for Credit Losses",
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