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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "Includes a waterfall chart showing the movement of ACL from 12/31/2021 to 9/30/2023.",
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      "text": "Highlights: $2.0 million Q3 provision expense; $20.3 million reserve for unfunded commitments; $24.9 million fair value accretion.",
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      "text": "Reflects $14 million for CECL Day 1 non-PCD loans. Total provision expense for 2022 of $16.8 million also includes $2.8 million for Level One's unfunded commitments.",
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