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  "documentTitle": "Hilltop Holdings | Results Presentation Deck | 21 slides",
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  "authorName": "Hilltop Holdings",
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  "presentationDate": "2024-10-01 00:00:00",
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  "notes": "The chart uses a waterfall bridge to explain the change in ACL balance over the quarter.",
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      "text": "Applied Moody’s Analytics September 2024 slower-trend growth (S5) scenario for economic forecast; Lower Allowance for Credit Losses in the period primarily driven by charge-offs and collective portfolio changes partially offset by an increase in specific reserves; ACL % of Loans HFI, excluding broker-dealer margin loans and mortgage warehouse loans, equated to 1.51% as of September 30, 2024",
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