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  "notes": "Includes historical annual NIM data and quarterly trend lines for yield on loans, securities, and cost of deposits.",
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      "text": "3Q 2023 Highlights: Loan yields increased 30 bps, Average loans grew ~$175 million, Cost of Total Deposits 2.10%, 27% Customer deposit beta",
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      "text": "Note: Cycle beta starting point 1Q2022. Note: Beta is defined as the change in deposit cost of funds rate divided by the change in Fed Funds rate - over the same time period. 1. On a fully tax equivalent basis; See appendix for reconciliation of non-GAAP financial measures. 2. Non Customer Deposits include Wholesale deposits, Institutional deposits, and Brokered CDs",
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