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      "text": "Executing on our Action Plan: These actions will result in improved profitability in the future and set the stage for consistent and significantly higher returns",
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      "text": "Areas of Focus improved during the quarter: Significantly reduced liability sensitivity, Credit quality improved and underwriting remains solid, Expanded liquidity capacity, Continue to service our customers and deepen relationships",
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      "text": "Improving metrics but cautious on the environment: 2Q23 NIM was in line with the month of March, Asset quality improved during the quarter, Deposit balances were better than past seasonal patterns, Loans declined slightly, Capital ratios were stable, Expecting additional Fed rate increases",
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