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  "documentTitle": "Pathward Financial | Results Presentation Deck | 34 slides",
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  "authorName": "Pathward Financial",
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  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The chart illustrates the correlation between the Effective Fed Funds Rate and the company's cost of interest-bearing deposits, noting a lag in repricing for earning-asset yields.",
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      "kind": "chart",
      "text": "Line chart showing All-in Cost of Deposits, Cost of Interest Bearing Deposits, Cost of Total Deposits, and Quarterly Average Effective Fed Funds Rate from 1Q21 to 1Q24.",
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      "text": "During the 2024 fiscal first quarter, approximately 53% of the deposit balances were subject to variable card processing expenses... These costs reprice immediately... As of December 31, 2023, Pathward also managed $1.1 billion in off-balance sheet deposits...",
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      "text": "Note: All-in Cost of Deposits represents cost of total deposits with the additional incorporation of the company's noninterest variable card processing expenses impacted by interest rates.",
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      "text": "COST OF DEPOSITS",
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      "evidence": "The company highlights its diversified noninterest income streams and loan portfolio",
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