{
  "docId": "019de077-6edf-75db-b40d-51dd09219263",
  "docSlug": "6625b511a4efefbedd415d1854271925",
  "documentTitle": "Hilltop Holdings | Results Presentation Deck | 22 slides",
  "authorId": "hilltop-holdings",
  "authorName": "Hilltop Holdings",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2025-01-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.2938006,
  "pageNumber": 7,
  "pageCount": 22,
  "prevPage": 6,
  "nextPage": 8,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 24,
  "notes": "The chart uses a waterfall bridge structure to explain the change in ACL balance over the quarter.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de077-6edf-75db-b40d-51dd09219263/7",
  "deckHref": "/decks/019de077-6edf-75db-b40d-51dd09219263",
  "deckJsonHref": "/decks/019de077-6edf-75db-b40d-51dd09219263.json",
  "deckAnchorHref": "/decks/019de077-6edf-75db-b40d-51dd09219263#slide-7",
  "components": [
    {
      "bbox": {
        "h": 0.4,
        "w": 0.9,
        "x": 0.05,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Allowance for Credit Losses at Period End",
      "attrs": null,
      "subkind": "waterfall-bridge",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ebbb9c77-4095-4213-be57-82fef96469a3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.5,
        "x": 0.05,
        "y": 0.65
      },
      "kind": "list",
      "text": "Applied Moody’s Analytics December 2024 slower-trend growth (S5) scenario for economic forecast. Allowance release primarily driven by net charge-offs, collective portfolio changes and changes in the U.S. economic outlook. ACL % of Loans HFI excluding broker-dealer margin loans and mortgage warehouse loans equated to 1.37% as of December 31, 2024.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b38cde22-2cdf-4a92-9b63-5be4b248a1de",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.3,
        "w": 0.35,
        "x": 0.6,
        "y": 0.6
      },
      "kind": "table",
      "text": "12/31/24 Reserve Composition by loan category",
      "attrs": null,
      "subkind": "data",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "88e5c7e4-f32a-4b28-9d59-8572283d6c92",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.7,
        "x": 0.05,
        "y": 0.05
      },
      "kind": "title",
      "text": "Hilltop Holdings – Allowance for Credit Losses",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b9237528-4f67-4e18-863d-ad4d8a217733",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Waterfall / value bridge",
      "slug": "waterfall-bridge",
      "agent": null,
      "layer": "slide",
      "matchId": "e158bb2c-2da4-4758-9b69-587b6535540a",
      "evidence": "chart/waterfall-bridge: Allowance for Credit Losses at Period End",
      "confidence": 0.7
    }
  ],
  "frameworks": [
    {
      "name": "waterfall-bridge",
      "slug": null,
      "matchId": "1b51aef3-0b4f-4473-a0d9-7fa6eb507ec5",
      "evidence": "The chart explicitly shows the starting balance, various deductions/additions, and the final balance.",
      "confidence": 1
    }
  ],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}