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  "documentTitle": "Hilltop Holdings | Results Presentation Deck | 22 slides",
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      "text": "Auto Note Financing Commitments",
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      "text": "Auto Note Finance committed portfolio balance has been in decline since 2021. The impacts of higher interest rates and declining values of used vehicles continue to put downward pressure on the portfolio. Current portfolio comprises 1.5% of Total Bank Loans HFI. Three relationships totaling $47.5 million in outstanding balances at December 31, 2024, were included in non-accrual loans.",
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      "text": "(1) Total exposure net of any SBA guarantee",
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      "text": "Allowance for Credit Losses table showing Ending Balance, Allowance for Credit Losses, and ACL % Loans for 12/31/2024 and 9/30/2024.",
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      "text": "Hilltop Holdings – Auto Lending Portfolio",
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