{
  "docId": "019de075-677f-745f-b8b5-8d73a0ea24dc",
  "docSlug": "a6028005363ed5ce1c0ca25e9c1a2292",
  "documentTitle": "PB Bankshares | Results Presentation Deck | 27 slides",
  "authorId": "pb-bankshares",
  "authorName": "PB Bankshares, Inc",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-07-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.2938006,
  "pageNumber": 12,
  "pageCount": 27,
  "prevPage": 11,
  "nextPage": 13,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 12,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de075-677f-745f-b8b5-8d73a0ea24dc/12",
  "deckHref": "/decks/019de075-677f-745f-b8b5-8d73a0ea24dc",
  "deckJsonHref": "/decks/019de075-677f-745f-b8b5-8d73a0ea24dc.json",
  "deckAnchorHref": "/decks/019de075-677f-745f-b8b5-8d73a0ea24dc#slide-12",
  "components": [
    {
      "bbox": {
        "h": 0.5,
        "w": 0.2,
        "x": 0.63,
        "y": 0.275
      },
      "kind": "list",
      "text": "Hospitality Exposure: $17.4 million in flagship hotel loans; 5 loans comprise the hotel portfolio; Average loan-to-value is 56.4%; Debt service coverage ratio 1.76 times exclusive of any sponsor or guarantor support; Guarantors have strong liquidity and are experienced local operators.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "4ad8c4ac-9679-4312-8f5c-818c7aa32313",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.5,
        "w": 0.2,
        "x": 0.16,
        "y": 0.275
      },
      "kind": "list",
      "text": "Stress Test: Completed 75% or $101 million of CRE portfolio; CRE Portfolio average loan-to-value ratio is 58.4%; Debt service coverage ratio 1.31 times without sponsor or guarantor support; Property type is diverse and there is no geographic concentration.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "62e0b896-c088-4722-aa93-0008e7a090b9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.5,
        "w": 0.2,
        "x": 0.4,
        "y": 0.275
      },
      "kind": "list",
      "text": "Office Exposure: $8.2 million in non-owner occupied office space; 4 loans comprise office segment, which all are loans in medical space not subject to general market office issues; Average loan-to-value ratio is 73.6%; Debt service coverage ratio 1.52 times exclusive of sponsor or guarantor support.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "874273a9-e49c-4e6b-b28f-d8b590f305e4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "x": 0.16,
        "y": 0.83
      },
      "kind": "paragraph",
      "text": "Management is monitoring the commercial real estate portfolio and concentration, assessing its associated risks.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "649cfb15-ece4-498d-9db4-fe74fae12517",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.6,
        "x": 0.04,
        "y": 0.05
      },
      "kind": "title",
      "text": "Commercial Real Estate (CRE) Portfolio",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "67104a68-ef81-4e85-9387-f2583f163d4d",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "ed4c15d1-d7d2-4be5-b580-32c2b830f698",
      "evidence": "The slide contains three bullet points with specific details about the Commercial Real Estate (CRE) Portfolio.",
      "confidence": 0.8
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 13,
      "from": 10,
      "beatId": "dd13351c-43f7-4f22-a1e6-578b33e42d00",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Solution",
      "beatSlug": "sequoia-pitch-solution",
      "evidence": "The new management team's accomplishments and priorities are presented as a solution",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}