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  "documentTitle": "Pathward Financial | Investor Presentation Deck | 43 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward",
  "documentKindSlug": "conference-presentation",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-10-01 00:00:00",
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  "pageNumber": 21,
  "pageCount": 43,
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  "density": "dense",
  "nDataPoints": 6,
  "notes": "The slide uses a waterfall-style bridge annotation to show the percentage change between two bars.",
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      "kind": "chart",
      "text": "Bar chart comparing Q4 2023 ($4,366.1M) and Q4 2024 ($4,075.2M) with a -7% variance indicator.",
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      "text": "Decrease driven by $594 million insurance premium finance portfolio being moved to held for sale during Q4 2024. Decrease is partially offset by growth in SBA/USDA, renewable energy and working capital. Nonperforming loans and leases of 0.87% compared to 1.26% at September 30, 2023. Annualized adjusted net charge-off rate of 0.62% for 4Q24.",
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      "text": "1 See slide 40 for reconciliation to most directly comparable GAAP measure.",
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      "text": "TOTAL LOANS AND LEASES DECREASED FROM Q4 2023",
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