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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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  "pageNumber": 24,
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  "slideType": "kpi_overview",
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  "notes": "The slide combines a qualitative summary of interest rate sensitivity with quantitative data on portfolio composition and performance metrics over time.",
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      "kind": "chart",
      "text": "Net interest margin and loan yields trend line chart",
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      "text": "As of December 31, 2023, $1.7B, or 37% 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 SOFR or the CMT.\nAs of December 31, 2023, all variable loans with floors were at or above their floors.\nDue to the recent sharp rise in interest rates, asset mix changes and overall market conditions, a continued lag is expected as the lease and loan portfolio reprices.",
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      "text": "1 Fixed rate loans and leases are shown for contractual periods. 1 Declines in NIM in FY21 associated with elevated cash balances from government stimulus programs. 2 Adjusted NIM includes contractual card processing expenses associated with higher interest rates. See appendix for Non-GAAP financial measures reconciliation.",
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      "kind": "title",
      "text": "TOTAL LOAN AND LEASE PORTFOLIO PRICING ATTRIBUTES",
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      "text": "NET INTEREST MARGIN AND LOAN YIELDS",
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      "kind": "title",
      "text": "LOAN PORTFOLIO INTEREST RATE SENSITIVITY",
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      "evidence": "The company highlights its diversified noninterest income streams and loan portfolio",
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