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  "documentTitle": "Pathward Financial | Results Presentation Deck | 33 slides",
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  "authorName": "Pathward Financial",
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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "The slide uses a combination of a pie chart for portfolio composition and a multi-line chart for historical performance metrics.",
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      "kind": "chart",
      "text": "Net Interest Margin and Loan Yields",
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      "text": "Total Loan and Lease Portfolio Pricing Attributes",
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      "text": "As of September 30, 2023, $1.5B, or 30% 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, SOFR or the CMT. As of September 30, 2023, all variable loans with floors were at or above their floors. Due to the recent sharp rise in interest rates, asset mix changes and overall market conditions, a continued lag is expected before new and existing loans fully reprice.",
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      "text": "Declines in NIM in FY21 associated with elevated cash balances from government stimulus programs. Adjusted NIM includes contractual card processing expenses associated with higher interest rates.",
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      "kind": "title",
      "text": "Loan Portfolio Interest Rate Sensitivity",
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