| in the judgment of management | 12 | other |
| through credit | 4 | manner |
| as of december | 4 | temporal |
| allowance → be → necessary | 31 |
| allowance → be considered → necessary | 19 |
| allowance → be → required | 12 |
| allowance → be deemed → necessary | 4 |
| allowance → be → warranted | 4 |
| negative | neutral | positive |
| 0.197 | 0.745 | 0.058 |
| Raw frequency | 70 |
| Normalized frequency | 0.637 |
| Modifier score | 0.113 |
| Perplexity | 343.099 |