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      "text": "OPTIMIZE INTEREST-EARNING PORTFOLIO, TO EMPHASIZE HIGHER-RETURN ASSETS: Improved yield to 6.48% vs 5.26%; Grew commercial loans by $699M (23%); $1.8B securities portfolio.",
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      "text": "TARGET OF 2X OPERATING LEVERAGE: Efficiency ratio 66.00% vs 64.09%; Ongoing simplification initiatives.",
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      "text": "OPTIMIZE DEPOSIT MIX, TO MAINTAIN A STABLE DEPOSIT BASE: 96% noninterest deposits; 0.29% cost of funds; $268M off-balance sheet deposits; 6-year weighted average life.",
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      "text": "Adjusted efficiency ratio (excluding the gain on sale of trademarks and rebranding expenses) for the twelve months ended September 30, 2023 was 66.42%. See appendix for Non-GAAP financial measures reconciliations. See slide 19 (Cost of Deposits) for additional detail on deposit costs.",
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      "text": "Continued Progress on Key Strategic Initiatives",
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