{"component": "definition", "props": {"groups": [{"samples": [{"hash": "kbtxGK0bPOl", "uri": "/contracts/kbtxGK0bPOl#asset-quality", "label": "Indenture (San Rafael Bancorp)", "score": 21.0, "published": true}, {"hash": "gwr3wLUWjCL", "uri": "/contracts/gwr3wLUWjCL#asset-quality", "label": "Indenture (Alabama National Bancorporation)", "score": 21.0, "published": true}, {"hash": "i5ixR9V2hn5", "uri": "/contracts/i5ixR9V2hn5#asset-quality", "label": "Indenture (Florida Banks Inc)", "score": 18.0, "published": true}], "snippet_links": [{"key": "ratio-of", "type": "clause", "offset": [0, 8]}, {"key": "nonperforming-assets", "type": "definition", "offset": [9, 29]}, {"key": "other-real-estate-owned", "type": "definition", "offset": [43, 66]}, {"key": "reserves-to-nonperforming-loans", "type": "clause", "offset": [77, 108]}], "size": 8, "snippet": "ratio of nonperforming assets to loans and other real estate owned, ratio of reserves to nonperforming loans, and ratio of net charge-offs to loans;", "hash": "629614fec2300efeee97b46161741f7e", "id": 1}, {"samples": [{"hash": "iR0JQJTW07z", "uri": "/contracts/iR0JQJTW07z#asset-quality", "label": "Loan and Security Agreement (Regional Management Corp.)", "score": 35.4668045044, "published": true}, {"hash": "u0UMVeg1yZ", "uri": "/contracts/u0UMVeg1yZ#asset-quality", "label": "Loan and Security Agreement (Regional Management Corp.)", "score": 35.0999298096, "published": true}, {"hash": "gEtixAChRZ7", "uri": "/contracts/gEtixAChRZ7#asset-quality", "label": "Loan and Security Agreement (Regional Management Corp.)", "score": 34.338809967, "published": true}], "snippet_links": [{"key": "day-of", "type": "clause", "offset": [34, 40]}, {"key": "sum-of", "type": "clause", "offset": [57, 63]}, {"key": "total-portfolio-past-due-percent", "type": "definition", "offset": [68, 100]}, {"key": "total-portfolio-repossession-percent", "type": "definition", "offset": [106, 142]}], "size": 6, "snippet": "means, calculated as of the first day of each month, the sum of the Total Portfolio Past Due Percent, the Total Portfolio Repossession Percent and the Total Portfolio Net Charge-Off Percent.", "hash": "987def578826023e60d309bebe078dd0", "id": 2}, {"samples": [{"hash": "iEM59vOAJrF", "uri": "https://www.registerofohio.state.oh.us/pdfs/phn/113_NO_315169_20170522_1632.pdf", "label": "www.registerofohio.state.oh.us", "score": 8.6933603287, "published": false}, {"hash": "bhJzNGLiCkE", "uri": "https://codes.ohio.gov/assets/laws/administrative-code/authenticated/113/0/40/113-40-01_20170806.pdf", "label": "codes.ohio.gov", "score": 8.6249141693, "published": false}, {"hash": "jQ9IDsBhBe6", "uri": "http://codes.ohio.gov/oac/113-40-01", "label": "codes.ohio.gov", "score": 8.1704311371, "published": false}], "snippet_links": [{"key": "loan-loss-reserves", "type": "definition", "offset": [93, 111]}, {"key": "effect-of", "type": "definition", "offset": [142, 151]}, {"key": "balance-sheet", "type": "clause", "offset": [156, 169]}], "size": 4, "snippet": "means the component within the SCALE model that evaluates risk, controllability, adequacy of loan loss reserves, acceptable earnings, and the effect of off-balance sheet earnings and loss.", "hash": "a19bf4e05cd645798089df441a4d8e49", "id": 3}, {"samples": [{"hash": "Rw8JGdV6yF", "uri": "/contracts/Rw8JGdV6yF#asset-quality", "label": "Participation Agreement", "score": 27.2439346313, "published": true}, {"hash": "4gSbhyKYk8C", "uri": "/contracts/4gSbhyKYk8C#asset-quality", "label": "Participation Agreement", "score": 27.2301578522, "published": true}, {"hash": "2Q31GUluICM", "uri": "/contracts/2Q31GUluICM#asset-quality", "label": "Participation Agreement", "score": 25.3216972351, "published": true}], "snippet_links": [{"key": "the-fund", "type": "clause", "offset": [0, 8]}, {"key": "weighted-average", "type": "clause", "offset": [9, 25]}, {"key": "cash-available", "type": "clause", "offset": [60, 74]}, {"key": "high-quality", "type": "clause", "offset": [106, 118]}, {"key": "cash-management", "type": "clause", "offset": [130, 145]}, {"key": "other-cash", "type": "definition", "offset": [160, 170]}, {"key": "asset-class", "type": "clause", "offset": [220, 231]}, {"key": "dollar-denominated", "type": "definition", "offset": [238, 256]}, {"key": "fixed-income-securities", "type": "definition", "offset": [257, 280]}, {"key": "investment-manager", "type": "clause", "offset": [283, 301]}, {"key": "pnc-capital", "type": "definition", "offset": [303, 314]}, {"key": "portfolio-objective", "type": "definition", "offset": [331, 350]}, {"key": "market-cycle", "type": "definition", "offset": [399, 411]}], "size": 4, "snippet": "The Fund weighted average quality will be AA or higher. Any cash available within the Fund is invested in high quality commingled cash management portfolio and other cash vehicles. \u2022 Duration: Index duration \u00b1 \u00bc years \u2022 Asset Class: U.S. Dollar Denominated Fixed Income Securities \u2022 Investment Manager: PNC Capital Advisors, LLC \u2022 Portfolio Objective: To outperform the Benchmark net of fees over a market cycle. \u201cIndex\u201d)", "hash": "a116e909ab555f3f35ace2c2d855fce1", "id": 4}, {"samples": [{"hash": "Rw8JGdV6yF", "uri": "/contracts/Rw8JGdV6yF#asset-quality", "label": "Participation Agreement", "score": 27.2411823273, "published": true}, {"hash": "4gSbhyKYk8C", "uri": "/contracts/4gSbhyKYk8C#asset-quality", "label": "Participation Agreement", "score": 27.2301578522, "published": true}, {"hash": "2Q31GUluICM", "uri": "/contracts/2Q31GUluICM#asset-quality", "label": "Participation Agreement", "score": 25.3216972351, "published": true}], "snippet_links": [{"key": "the-account", "type": "clause", "offset": [0, 11]}, {"key": "credit-quality", "type": "definition", "offset": [37, 51]}], "size": 3, "snippet": "The Account will maintain an average credit quality of \u201cA1\u201d or", "hash": "0f0add020230d8c38135618b198c6d2a", "id": 5}, {"samples": [{"hash": "jFgVCvMg1Wl", "uri": "/contracts/jFgVCvMg1Wl#asset-quality", "label": "Loan and Security Agreement (1st FRANKLIN FINANCIAL CORP)", "score": 30.8891162872, "published": true}, {"hash": "aCL2BLD4z4H", "uri": "/contracts/aCL2BLD4z4H#asset-quality", "label": "Loan and Security Agreement (1st FRANKLIN FINANCIAL CORP)", "score": 21.0, "published": true}], "snippet_links": [{"key": "date-of-determination", "type": "clause", "offset": [17, 38]}, {"key": "sum-of", "type": "clause", "offset": [44, 50]}, {"key": "period-ending", "type": "definition", "offset": [129, 142]}, {"key": "a-percentage", "type": "definition", "offset": [160, 172]}, {"key": "principal-receivables", "type": "clause", "offset": [176, 197]}, {"key": "days-past-due", "type": "definition", "offset": [273, 286]}, {"key": "contractual-basis", "type": "clause", "offset": [292, 309]}], "size": 3, "snippet": "means, as of the date of determination, the sum of the following percentage: (a) Net Charge-Offs of Receivables for the 12 month period ending on such date, as a percentage of Principal Receivables outstanding during such 12 month period, plus (b) Receivables more than 60 days past due on a contractual basis on such date, as a percentage of gross Receivable on such date.", "hash": "4945506c3271fe5ca889dcea37e08320", "id": 6}, {"samples": [{"hash": "hCnUwh0qMft", "uri": "/contracts/hCnUwh0qMft#asset-quality", "label": "Loan and Security Agreement (Regional Management Corp.)", "score": 37.3367556468, "published": true}, {"hash": "bi6jTtXDlTT", "uri": "/contracts/bi6jTtXDlTT#asset-quality", "label": "Loan and Security Agreement (Regional Management Corp.)", "score": 36.6468162537, "published": true}], "snippet_links": [{"key": "day-of", "type": "clause", "offset": [34, 40]}, {"key": "sum-of", "type": "clause", "offset": [57, 63]}, {"key": "total-portfolio-past-due-percent", "type": "definition", "offset": [68, 100]}, {"key": "total-portfolio-repossession-percent", "type": "definition", "offset": [106, 142]}], "size": 2, "snippet": "means, calculated as of the first day of each month, the sum of the Total Portfolio Past Due Percent, the Total Portfolio Repossession Percent and the Total Portfolio Net Charge\u2011Off Percent.", "hash": "56cc85e549385eb57753f6bdddb1307d", "id": 7}, {"samples": [{"hash": "dKqa9JQPuRP", "uri": "https://www.sec.gov/Archives/edgar/data/1046001/000095016497000325/12.txt", "label": "Conversion Valuation (Delaware First Financial Corp)", "score": 9.0, "published": false}], "snippet_links": [{"key": "ratio-of", "type": "clause", "offset": [25, 33]}, {"key": "loan-ratio", "type": "definition", "offset": [127, 137]}, {"key": "nonperforming-asset", "type": "definition", "offset": [215, 234]}, {"key": "asset-ratio", "type": "definition", "offset": [238, 249]}, {"key": "retained-earnings", "type": "definition", "offset": [375, 392]}, {"key": "funding-base", "type": "definition", "offset": [433, 445]}, {"key": "to-the-bank", "type": "clause", "offset": [474, 485]}, {"key": "high-level", "type": "definition", "offset": [500, 510]}, {"key": "most-important", "type": "clause", "offset": [643, 657]}, {"key": "market-values", "type": "definition", "offset": [678, 691]}, {"key": "intangible-assets", "type": "clause", "offset": [1051, 1068]}], "size": 1, "snippet": "The Bank's ALLL to loans ratio of 0.27% is below that of the Comparable Group's 0.49%. The Bank has a reserve to nonperforming loan ratio, 78.59% which is lower than that of the Comparable Group, 88.34%. The Bank's nonperforming asset to asset ratio is 0.29%, which is below the Comparable average of 0.60%. Funding Mix - The Bank is funded through deposits, borrowings, and retained earnings. The Comparable Group had 13.14% of its funding base from borrowings as compared to the Bank's 22.39%. The high level of borrowings provides significantly less funding flexibility when weighted to the Comparable Group. Intangible Levels - One of the most important factors influencing market values is the level of intangibles that an institution carries on its books. Thrifts trade more on tangible book than on book. The Bank had no intangibles on its books at June 30, 1997. Of the Comparable Group, two had intangibles. Only one of these Comparables has a significant level of intangibles, Classic Bancshares with 15.44%. The Comparable average is 1.50% intangible assets to assets.", "hash": "99940b998182a6bcfa14a33a6304bbb9", "id": 8}, {"samples": [{"hash": "lgG6vA9vyI2", "uri": "/contracts/lgG6vA9vyI2#asset-quality", "label": "Co Operation Agreement", "score": 26.0239562988, "published": true}], "snippet_links": [{"key": "anglo-american", "type": "definition", "offset": [0, 14]}, {"key": "development-of-the-project", "type": "clause", "offset": [140, 166]}, {"key": "advanced-stage", "type": "definition", "offset": [173, 187]}, {"key": "two-years", "type": "clause", "offset": [230, 239]}, {"key": "the-world", "type": "definition", "offset": [285, 294]}, {"key": "a-grade", "type": "clause", "offset": [389, 396]}, {"key": "the-resource", "type": "definition", "offset": [446, 458]}, {"key": "production-process", "type": "definition", "offset": [594, 612]}, {"key": "ebitda-margin", "type": "definition", "offset": [672, 685]}, {"key": "asset-life", "type": "definition", "offset": [824, 834]}], "size": 1, "snippet": "Anglo American believes that the Project has the potential to become a world-class, low-cost and long-life asset. \u2587\u2587\u2587\u2587\u2587\u2587 has progressed the development of the Project to an advanced stage, with construction now under way for over two years. \u2587\u2587\u2587\u2587\u2587\u2587 has indicated that this is currently the world\u2019s largest known high-grade polyhalite deposit with a JORC Reserve of 290 million tonnes, with a grade of 88.8%, and a Resource of 2.69 billion tonnes. The Resource indicated by \u2587\u2587\u2587\u2587\u2587\u2587 has the scale, thickness and quality to be mined efficiently through a relatively simple, low-energy, non-chemical production process. \u2587\u2587\u2587\u2587\u2587\u2587 has indicated that the Project could operate at an EBITDA margin potentially well in excess of 50% leaving the Project well positioned for strong through-the-cycle profitability with an anticipated long asset life.", "hash": "3a9502f0940f7729a17e15dcb61f1573", "id": 9}, {"samples": [{"hash": "fBxLq1dcTnN", "uri": "http://197.156.101.181/webapp/php/documents/Friday%2027th%20of%20August%202021%2002_59_03%20PM%20Document_181.pdf", "label": "197.156.101.181", "score": 10.8234090805, "published": false}], "snippet_links": [{"key": "the-percentage", "type": "definition", "offset": [14, 28]}, {"key": "earning-assets", "type": "definition", "offset": [36, 50]}], "size": 1, "snippet": "means measure the percentage of non-earning assets that negatively impact profitability and solvency.", "hash": "b51f0169a2b76399d3b48547f168e947", "id": 10}], "next_curs": "CloSVGoVc35sYXdpbnNpZGVyY29udHJhY3RzcjYLEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3Y1NiIWYXNzZXQtcXVhbGl0eSMwMDAwMDAwYQyiAQJlbhgAIAA=", "definition": {"size": 32, "snippet": "ratio of nonperforming assets to loans and other real estate owned, ratio of reserves to nonperforming loans, and ratio of net charge-offs to loans;", "title": "Asset Quality", "id": "asset-quality", "examples": ["Notwithstanding the foregoing, the Collateral Manager may elect at any time after the Effective Date, in lieu of selecting a \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix, to interpolate between two adjacent rows and/or two adjacent columns, as applicable, on a straight-line basis and round the results to two decimal points.", "If the Collateral Manager does not notify the Trustee that it will alter the \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix chosen on the Effective Date in the manner set forth above, the \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix chosen on or prior to the Effective Date shall continue to apply.", "As of the last day of each calendar month, the Borrowers shall have <strong>Asset Quality</strong> of no more than 21%.", "On or prior to the Effective Date, the Collateral Manager shall elect the \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix that shall on and after the Effective Date apply to the Collateral Obligations for purposes of determining compliance with the Moody\u2019s Diversity Test, the Maximum \u2587\u2587\u2587\u2587\u2587\u2019\u2587 Rating Factor Test and the Minimum Floating Spread Test.", "On or prior to the Effective Date, the Collateral Manager shall elect the \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix that shall on and after the Effective Date apply to the Collateral Obligations for purposes of determining compliance with the Moody\u2019s Diversity Test, the Maximum \u2587\u2587\u2587\u2587\u2587\u2019\u2587 Rating Factor Test and the Minimum Moody\u2019s Floating Spread Test.", "Notwithstanding the foregoing, the Collateral Manager may (by notice to the Trustee, Moody\u2019s and the Collateral Administrator) elect at any time after the Effective Date, in lieu of selecting a \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix, to interpolate between two adjacent rows and/or two adjacent columns, as applicable, on a straight-line basis and round the results to two decimal points.", "Such modification would be at Distributor\u2019s or Customer\u2019s sole cost and expense.", "Notwithstanding the foregoing, the Collateral Manager may elect at any time after the Closing Date, in lieu of selecting a \u201crow/column combination\u201d of the <strong>Asset Quality</strong> Matrix, to interpolate between two adjacent rows and/or two adjacent columns, as applicable, on a straight-line basis and round the results to two decimal points.", "If the Collateral Manager does not notify the Trustee and the Collateral Administrator that it will alter the &quot;row/column combination&quot; 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