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  "presentationDate": "2023-02-01 00:00:00",
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      "text": "RISK RATING DISTRIBUTION\n100%\n90% 90%\n80%\n60%\n40%\n20%\n4% 3%\n3% 5%\n3% 2%\n0%\n1 & 2\n3\n4\n5\n■SBC ■SBA",
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      "text": "AVERAGE RISK RATING\n1.75\n1.70\n1.70\n1.68\n1.67\n1.68\n1.66\n1.65\n1.63\n1.60\n1.55\n1.52\n1.51\n1.50\n1.48\n1.47\n1.45\n1.40\n1.35\nQ4'21\nQ1'22\nQ2'22\nQ3'22\nQ4'22\n■SBC ■SBA",
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      "text": "BUCKET 1:\nVery Low Risk of Loss: New origination or current with strong\ncredit metrics (LTV/DSCR/DY). No expected losses.\nBUCKET 2:\nLow Risk of Loss: Current with maturity > 6 months. Lower credit\nmetrics with possibility of inclusion on CREFC watchlist. No\nexpected losses.\nBUCKET 3:\nMedium Risk of Loss: Current with near term maturities or in\nforbearance. Loss unlikely with no specific reserves booked.\nBUCKET 4:\nHigher Risk: Loan delinquent or in maturity default. Potential\nissues with sponsor or business plans. Minimal losses possible\nand adequately reserved in current period.\nBUCKET 5:\nHighest risk: Loan in default or special servicing. Specific losses\nidentified and adequately reserved for in current period.",
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      "text": "Loan Portfolio – Risk Rating",
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