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  "documentTitle": "HBT Financial | Results Presentation Deck | 36 slides",
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  "authorName": "HBT Financial",
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  "presentationDate": "2023-07-01 00:00:00",
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      "text": "Completed Town and Country core conversion and substantially all cost savings have been fully realized as of May 2023\nLoan growth in mid-single digits on an annualized basis expected for remainder of 2023\nExcluding brokered deposits, deposits are up through July 20, 2023; however, we anticipate some further decrease during the remainder of 2023 as well as a mix shift towards higher cost products\nInvestment portfolio is expected to provide $25 million to $35 million of principal cash flows a quarter for the remainder of 2023 with proceeds used to fund loan growth and/or decrease FHLB borrowings\nNIM is expected to continue to decline modestly for the remainder of 2023 albeit at a higher rate than 2Q2023\nNoninterest income is expected to be marginally higher with seasonably higher mortgage income in 3Q2023\nNoninterest expense should stabilize between $30 million and $32 million\nThe legal settlement accrual and related attorney expenses in 2Q2023 will be nonrecurring\nAnnual merit increases were largely absorbed in 2Q2023\nAsset quality expected to remain solid although increasing unemployment and a declining economy, if any were to occur, could cause increased provisions\nStock repurchase program will continue to be used opportunistically with $9.3 million available under the current plan\nCurrent capital levels and stock valuation compared to peers support M&A but environment and valuation expectations currently present a challenge",
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      "text": "Near-Term Outlook",
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