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  "notes": "Technical accounting disclosure slide regarding CECL standards.",
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      "text": "Management expects key drivers of provisioning and reserving under CECL standard going forward to include: Replenishment of reserves for net charge-offs; Change in portfolio size and composition; All other macroeconomic variables and loan level characteristics. Ongoing reserve levels will continue to utilize quantitative and qualitative information.",
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      "text": "Allowance for Credit Loss of 29 bps of total loan held for investment includes a net increase of $10 thousand in 4Q23 as a result of a $296 thousand increase in reserve on loans and $447 thousand related to aggregate reserve for impaired and PCD loans, offset by a decrease of $732 thousand in qualitative adjustments to the loan portfolio to reflect updated adjustment for the repricing and interest rate risk in the multifamily portfolio and increased level of criticized loans not impaired.",
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      "text": "Probability of Default (“PD”) and Loss Given Default (“LGD”) term structure approach for majority of loan portfolio (97% of Non-PCD portfolio) with Loss Rate approach for remainder of Non-PCD loan portfolio. PCD loans associated with the TGR Financial acquisition were individually assessed for credit losses based on methodologies consistent with the CECL standards. Reasonable and supportable forecast period of 2 years using a weighting of Moody's consensus and alternative economic scenarios. Reversion to long run historical PDs and LGDs after 2 year period.",
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      "text": "Current Expected Credit Losses (“CECL”)",
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