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      "text": "Net Interest Income ($ in Millions)",
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      "text": "Interest rate sensitivity profile of the loan and securities portfolios, in combination with a low cost core deposit base, positions us as slightly asset sensitive. Net interest income decreased $1.0 million, or 3.0%, in 4Q'20 vs. 3Q'20 due primarily to a $1.5 million increase in interest expense on deposits. This increase is due to accelerated amortization of deferred loss on certain de-designated instruments. Net interest margin was 3.12% during the fourth quarter of 2020, compared to 3.70% in the year-ago quarter and 3.31% in the third quarter of 2020.",
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