[
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -32187.88679842284,
    "se": 9140.158901414357,
    "t_stat": -3.5215894106000776,
    "p_value": 0.0026185453831989577,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -40772985646.21421,
    "se": 18755733084.97261,
    "t_stat": -2.1738945346200396,
    "p_value": 0.04412936433642316,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -38222.18558693185,
    "se": 30623.968210027295,
    "t_stat": -1.248113416419256,
    "p_value": 0.3005296890416044,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -60138106397.70667,
    "se": 72014315744.24968,
    "t_stat": -0.8350854378909888,
    "p_value": 0.46494957317925584,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -44693.24532000496,
    "se": 8302.459499057606,
    "t_stat": -5.38313319385394,
    "p_value": 0.012556867458635067,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -78487750123.54095,
    "se": 23267523143.45859,
    "t_stat": -3.3732748277337343,
    "p_value": 0.04330588273620769,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -7605.798161780395,
    "se": 8316.917518832448,
    "t_stat": -0.9144972454708338,
    "p_value": 0.42788886473098686,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -2417327560.882958,
    "se": 6661982160.714533,
    "t_stat": -0.3628541029632068,
    "p_value": 0.7407724454513495,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -22741.625447841907,
    "se": 23870.03842321122,
    "t_stat": -0.9527268052374794,
    "p_value": 0.41101506580316083,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -8657096059.121078,
    "se": 39673650512.51957,
    "t_stat": -0.21820770076071552,
    "p_value": 0.8412677578752314,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -63855.437500707376,
    "se": 13157.363805487914,
    "t_stat": -4.85320908083984,
    "p_value": 0.12936451458100526,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -68227533763.83829,
    "se": 22285678179.924953,
    "t_stat": -3.061496859687132,
    "p_value": 0.20098871960862927,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": 195017.5689686544,
    "se": 27326.273607746418,
    "t_stat": 7.136632376884752,
    "p_value": 1.6662211688961373e-06,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": 472504298101.8172,
    "se": 112190887375.94905,
    "t_stat": 4.2116103112587595,
    "p_value": 0.0005867381753829457,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 227634.092190846,
    "se": 55454.58531549512,
    "t_stat": 4.104874121693963,
    "p_value": 0.026168411235095546,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 608902233261.7429,
    "se": 276762177070.8291,
    "t_stat": 2.2000919334649995,
    "p_value": 0.1151620570835867,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": 313304.82000662823,
    "se": 62628.32997013252,
    "t_stat": 5.002605372936552,
    "p_value": 0.015370472535216192,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": 932131145017.5795,
    "se": 289942891727.8714,
    "t_stat": 3.214878417824569,
    "p_value": 0.048774329033192725,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 111210.01183821961,
    "se": 28077.879763785768,
    "t_stat": 3.9607695728384678,
    "p_value": 0.028739456232040123,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 101249853392.46706,
    "se": 36417549239.6309,
    "t_stat": 2.780248959814223,
    "p_value": 0.0689763846007821,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 134466.24323902675,
    "se": 49128.000221391405,
    "t_stat": 2.7370591644900135,
    "p_value": 0.07151484455916006,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 289100684618.77795,
    "se": 144700394021.87857,
    "t_stat": 1.9979260358825712,
    "p_value": 0.13960632592934058,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 182297.5624992926,
    "se": 35404.62911161035,
    "t_stat": 5.148975347958417,
    "p_value": 0.12211982894767592,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 391813182934.5698,
    "se": 129394837483.33313,
    "t_stat": 3.0280433945831713,
    "p_value": 0.20306236575267175,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -15962.572743194172,
    "se": 9521.50311391591,
    "t_stat": -1.6764761353556124,
    "p_value": 0.11193625318850013,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -24957430212.63543,
    "se": 16882910836.336653,
    "t_stat": -1.4782658307310488,
    "p_value": 0.15762564372224333,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -11031.86679035437,
    "se": 25851.553305299465,
    "t_stat": -0.4267390303426325,
    "p_value": 0.698340993713926,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -13351932095.302195,
    "se": 55507885644.29627,
    "t_stat": -0.24054117609277334,
    "p_value": 0.8254117332405394,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -5539.457447264598,
    "se": 13247.1445655106,
    "t_stat": -0.418162376040401,
    "p_value": 0.7039576007348384,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -64413117612.85284,
    "se": 24202844478.225086,
    "t_stat": -2.6613862544464264,
    "p_value": 0.07624839461685841,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 7475.371025744849,
    "se": 23133.31253854797,
    "t_stat": 0.32314313020620533,
    "p_value": 0.7678008264189724,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 13150794898.176006,
    "se": 18783759797.047127,
    "t_stat": 0.7001151548074713,
    "p_value": 0.5342644517837856,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -30998.137719183473,
    "se": 10538.718917581871,
    "t_stat": -2.941357290350434,
    "p_value": 0.06044400687149916,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -12581056027.173552,
    "se": 40530514737.11567,
    "t_stat": -0.3104094805796408,
    "p_value": 0.7765652059163083,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -64544.476938032836,
    "se": 27856.64719579154,
    "t_stat": -2.3170224501311822,
    "p_value": 0.2593829696319093,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -71063286799.089,
    "se": 32679471592.275414,
    "t_stat": -2.1745543405875183,
    "p_value": 0.2744001633014135,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "nii",
    "baseline": "pooled_ar"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -99897.4626672566,
    "se": 21005.298455968114,
    "t_stat": -4.755822102535911,
    "p_value": 0.000183199238859318,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -211529259056.42294,
    "se": 215728180802.65704,
    "t_stat": -0.9805360536087069,
    "p_value": 0.3405709023806546,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -127122.56601686795,
    "se": 26036.468914513436,
    "t_stat": -4.882481047420619,
    "p_value": 0.016427233756590817,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -257373952315.47482,
    "se": 127425688893.79358,
    "t_stat": -2.0197964362585488,
    "p_value": 0.13668306274397826,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -89645.83100295984,
    "se": 45374.27449551198,
    "t_stat": -1.9756972866161597,
    "p_value": 0.14265332448669396,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -873000285701.6842,
    "se": 870352848059.8743,
    "t_stat": -1.0030417981025872,
    "p_value": 0.38974635753912446,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -69687.55644791646,
    "se": 63368.83318265551,
    "t_stat": -1.0997134229542738,
    "p_value": 0.3517901827322502,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 79365638050.76314,
    "se": 259650267585.40295,
    "t_stat": 0.3056636097039976,
    "p_value": 0.7798432744714276,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -143246.66283785718,
    "se": 32896.449288309705,
    "t_stat": -4.354471863586878,
    "p_value": 0.022376627171533207,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 30830461075.215473,
    "se": 240561172099.50623,
    "t_stat": 0.12816058720591325,
    "p_value": 0.9061306758966269,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -39778.52234134969,
    "se": 97361.68965053574,
    "t_stat": -0.40856442081200883,
    "p_value": 0.7530758005158769,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 140958287476.20685,
    "se": 630625463310.6436,
    "t_stat": 0.22352140165131798,
    "p_value": 0.8600030808911455,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": 5775.527254355944,
    "se": 33833.75477778688,
    "t_stat": 0.17070311268401675,
    "p_value": 0.8664724271153535,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -15361359816.852919,
    "se": 327423811457.9653,
    "t_stat": -0.04691582981839735,
    "p_value": 0.9631270581370082,
    "favored": "seasonal_naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 74742.7471144452,
    "se": 11707.204587282127,
    "t_stat": 6.384337657824857,
    "p_value": 0.007781010768328189,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 348540346421.47473,
    "se": 98049669722.44101,
    "t_stat": 3.554732488218703,
    "p_value": 0.037962357343374054,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -143828.98678185433,
    "se": 61923.73583735313,
    "t_stat": -2.3226794190781845,
    "p_value": 0.10283227546091296,
    "favored": "seasonal_naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -1482108756124.458,
    "se": 1172672939805.226,
    "t_stat": -1.263872223717064,
    "p_value": 0.29555392904984734,
    "favored": "seasonal_naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 97755.30855208352,
    "se": 68655.15791476065,
    "t_stat": 1.4238596417395526,
    "p_value": 0.24967666342821684,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 638179136878.2382,
    "se": 494489019547.54565,
    "t_stat": 1.2905830294516307,
    "p_value": 0.28731475601723705,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -90753.84970654405,
    "se": 23884.51261006762,
    "t_stat": -3.7996944374862465,
    "p_value": 0.032011236541206016,
    "favored": "seasonal_naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -67689214313.092606,
    "se": 80968460438.09009,
    "t_stat": -0.8359948299233004,
    "p_value": 0.4645096473811558,
    "favored": "seasonal_naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 177537.25316885437,
    "se": 1376.4327984438282,
    "t_stat": 128.9835968523672,
    "p_value": 0.004935565708242968,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 999771394073.5741,
    "se": 153781377298.23535,
    "t_stat": 6.501251397525665,
    "p_value": 0.09716116417237193,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -131523.01664942593,
    "se": 21611.195202940115,
    "t_stat": -6.0858742616666,
    "p_value": 1.211327955570802e-05,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -421568518738.3578,
    "se": 291768191234.81134,
    "t_stat": -1.4448748403799947,
    "p_value": 0.16667361471588552,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -108436.81892674981,
    "se": 16545.238834647374,
    "t_stat": -6.553959118418547,
    "p_value": 0.00722284428520806,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -229332922508.80164,
    "se": 88220312229.1864,
    "t_stat": -2.599547844639459,
    "p_value": 0.08040723414321155,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -139860.04728178168,
    "se": 80660.72468214942,
    "t_stat": -1.7339299619847495,
    "p_value": 0.18134514417673128,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -1352338337886.6162,
    "se": 1312681871027.1475,
    "t_stat": -1.0302102647524478,
    "p_value": 0.37869809491285306,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -103630.68500419814,
    "se": 41540.89664359388,
    "t_stat": -2.494666542547518,
    "p_value": 0.08812023729800096,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -63515543424.426605,
    "se": 130109372792.83528,
    "t_stat": -0.48817039127195155,
    "p_value": 0.6588844343179311,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -202811.12122867344,
    "se": 24532.460409565945,
    "t_stat": -8.267051809837682,
    "p_value": 0.003706831416853141,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -270655968344.43024,
    "se": 120353221268.50365,
    "t_stat": -2.24884689825299,
    "p_value": 0.11005553198444427,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -74129.33986989153,
    "se": 18429.258938647203,
    "t_stat": -4.022372256891898,
    "p_value": 0.15512484713245053,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 44444398774.57521,
    "se": 184034955471.36615,
    "t_stat": 0.24149976650218646,
    "p_value": 0.8491449349106761,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_income",
    "baseline": "pooled_ar"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -46728.21059206274,
    "se": 17436.764064482384,
    "t_stat": -2.679867114061905,
    "p_value": 0.015825804901738173,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -41040329548.25687,
    "se": 43786928474.454704,
    "t_stat": -0.9372735420845926,
    "p_value": 0.36174365464046615,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -60772.493043207345,
    "se": 25937.860861142257,
    "t_stat": -2.343003278819001,
    "p_value": 0.10094557765180324,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -85283028886.42055,
    "se": 49764531913.67872,
    "t_stat": -1.7137311576516387,
    "p_value": 0.18509269263219624,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -20447.15686169508,
    "se": 28639.746808841734,
    "t_stat": -0.7139433528575253,
    "p_value": 0.526795697950758,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": 37052666273.639915,
    "se": 62596993143.619606,
    "t_stat": 0.5919240591737053,
    "p_value": 0.5955475100060953,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -33858.61635014171,
    "se": 51435.29310713804,
    "t_stat": -0.6582759483768338,
    "p_value": 0.5573684936123879,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 21894514158.738926,
    "se": 139824304905.78693,
    "t_stat": 0.15658589666146644,
    "p_value": 0.8855155002065909,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -90449.80224628931,
    "se": 46162.831546217334,
    "t_stat": -1.9593642594417702,
    "p_value": 0.1449420992659953,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -169598410663.2011,
    "se": 106828037726.29317,
    "t_stat": -1.587583318695168,
    "p_value": 0.21058118540637943,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -9648.674549857344,
    "se": 38643.706325685795,
    "t_stat": -0.2496829488491387,
    "p_value": 0.8442317214419833,
    "favored": "naive",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 21072727796.22008,
    "se": 84273463952.30533,
    "t_stat": 0.2500517577887414,
    "p_value": 0.8440107278284238,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": 82080.2048614647,
    "se": 24644.59694725444,
    "t_stat": 3.3305557821512255,
    "p_value": 0.003959956688918659,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": 195861073322.54828,
    "se": 94030720067.907,
    "t_stat": 2.0829477130569836,
    "p_value": 0.052667396939307665,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 68713.52715881285,
    "se": 34347.98907443378,
    "t_stat": 2.0005109181183,
    "p_value": 0.13925700487713885,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 88745823620.40775,
    "se": 72064095478.51451,
    "t_stat": 1.2314845975811464,
    "p_value": 0.3058741136287976,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": 132223.78786192302,
    "se": 16927.777220644253,
    "t_stat": 7.811054348037475,
    "p_value": 0.00436809717889422,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": 342784071234.062,
    "se": 102838194395.39511,
    "t_stat": 3.3332369675425886,
    "p_value": 0.04461148092743865,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 37960.318649858295,
    "se": 75534.87247293729,
    "t_stat": 0.5025535544984041,
    "p_value": 0.6498497736505066,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": 147632661365.36386,
    "se": 395498318557.5797,
    "t_stat": 0.373282652385968,
    "p_value": 0.7337545394759618,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 50575.354319367245,
    "se": 71764.22944227754,
    "t_stat": 0.7047432225276905,
    "p_value": 0.5317554941708811,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": 79742452900.83424,
    "se": 149539541946.80453,
    "t_stat": 0.5332532911542613,
    "p_value": 0.6308349440550981,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 160957.41728687737,
    "se": 35478.26306206932,
    "t_stat": 4.536789667670086,
    "p_value": 0.13811532983538266,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": 446966298746.72003,
    "se": 110866665305.50081,
    "t_stat": 4.031566183713322,
    "p_value": 0.15478487973762547,
    "favored": "eb_panel",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "seasonal_naive"
  },
  {
    "scope": "full",
    "loss": "abs",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -54666.15263789225,
    "se": 19623.324858847936,
    "t_stat": -2.785774226901406,
    "p_value": 0.01267915389252349,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "full",
    "loss": "squared",
    "n": 893,
    "G": 18,
    "df": 17,
    "mean_diff": -96919386318.0803,
    "se": 41150255975.14963,
    "t_stat": -2.3552559764539325,
    "p_value": 0.030782901718267627,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "cluster-robust t, df=G-1",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -82966.36740679147,
    "se": 26010.68772108681,
    "t_stat": -3.189702951972731,
    "p_value": 0.049722408124339916,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2022",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -113086264209.61308,
    "se": 59857096096.99918,
    "t_stat": -1.8892708063611265,
    "p_value": 0.15526624358843236,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "abs",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -26455.482260004803,
    "se": 22573.33552277299,
    "t_stat": -1.171979313084472,
    "p_value": 0.325809422954808,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2023",
    "loss": "squared",
    "n": 199,
    "G": 4,
    "df": 3,
    "mean_diff": -4353373974.654639,
    "se": 24079555149.07395,
    "t_stat": -0.18079129567400087,
    "p_value": 0.8680553272326902,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "abs",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -12234.924513637,
    "se": 67017.95449965668,
    "t_stat": -0.1825618911376902,
    "p_value": 0.8667819278676975,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2024",
    "loss": "squared",
    "n": 200,
    "G": 4,
    "df": 3,
    "mean_diff": -111320503447.81682,
    "se": 141882882174.5942,
    "t_stat": -0.7845943199182491,
    "p_value": 0.48994360533835424,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "abs",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -104727.650562679,
    "se": 45378.054955880914,
    "t_stat": -2.307892012218265,
    "p_value": 0.10423192701015746,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2025",
    "loss": "squared",
    "n": 198,
    "G": 4,
    "df": 3,
    "mean_diff": -185579768173.07285,
    "se": 111927964878.12029,
    "t_stat": -1.6580286113050737,
    "p_value": 0.19589183606712074,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=4)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "abs",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -40222.78444096186,
    "se": 9089.740880968331,
    "t_stat": -4.425074924322477,
    "p_value": 0.1414898023541256,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  },
  {
    "scope": "2026",
    "loss": "squared",
    "n": 98,
    "G": 2,
    "df": 1,
    "mean_diff": -43701178160.75792,
    "se": 11511875875.090502,
    "t_stat": -3.796182189152935,
    "p_value": 0.16397492830194885,
    "favored": "pooled_ar",
    "note": "CR1; assumes independent target-quarter clusters",
    "inference": "descriptive only (G=2)",
    "line": "noninterest_expense",
    "baseline": "pooled_ar"
  }
]