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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The slide uses a waterfall chart to bridge the ACL balance between two quarters.",
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      "kind": "chart",
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      "text": "CECL Methodology and Oversight: Discounted cash flow method, regression analysis, ACL/Loans ratio, and committee governance.",
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      "text": "ACL on Unfunded Commitments: ACL on unfunded lending-related commitments decreased by $0.5 million to $3.8 million during the fourth quarter of 2023",
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      "text": "Includes $2.6 million of loans that are wholly or partially guaranteed by the U.S. Government as of December 31, 2023.",
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      "text": "Loan Portfolio Overview: ACL and Asset Quality",
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