Pathward Financial Results Presentation Deck
Non-GAAP Reconciliation
Adjusted Annualized NCOs and Adjusted Loans and Leases
($ in thousands)
Net Charge-offs
Less: Tax services net charge-offs
Adjusted Net Charge-offs
Quarterly Average Loans and Leases
Less: Quarterly Average Tax Services Loans
Adjusted Quarterly Average Loans and Leases
Annualized NCOs/Average Loans and Leases
Adjusted Annualized NCOS/Adjusted Average Loans and Leases¹
Dec 31, 2021
1,129
(2,313)
3,442
23 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation
3,706,975
33,604
3,673,371
0.12%
0.37%
For the quarter ended
Jun 30, 2022
12,198
7,992
4,206
Mar 31, 2022
11,226
(183)
11,409
4,244,644
594,166
3,650,478
1.06%
1.25%
3,747,631
62,934
3,684,697
1.30%
0.46%
Sep 30, 2022
26,664
22,594
4,050
3,618,678
35,484
3,583,194
2.95%
0.45%
1 Tax Services NCOS and average loans are excluded to adjust for the cyclicality of activity related to the overall economics of the Company's tax services business line.
Dec 31, 2022
3,217
1,033
2,184
3,524,924
25,231
3,499,693
0.37%
0.25%
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