BAS Presentations - March 2023

Does a loan charge-off affect net income?

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The UBPR Includes a Year-Over-Year ACL Reconcilement

Ties to balance sheet [prior year] (pg. 4)

Ties to income statement (pg. 2) Ties to balance sheet [current year] (pg. 4)

Why is the ACL ending balance higher than the beginning balance?

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