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      "text": "Total loans are expected to be flat to down slightly in 1Q24, but we expect loans to grow by low to mid-single digits year-over-year during 2024. Deposit outflows have largely subsided, but movement into higher cost products is expected to continue. Investment portfolio is expected to average approximately $33 million of principal cash flows a quarter during 2024 with proceeds used to fund loan growth, decrease wholesale funding, or be reinvested into the securities portfolio. NIM is expected to continue to decline modestly during 1Q24, and flatten in 2Q24 to 3Q24 based on the current interest rate outlook and liquidity position. Noninterest income during 2024 is expected to grow in low single digits from 4Q23. Noninterest expense should remain between $31 million and $32 million per quarter for 2024. Asset quality expected to remain solid, although increasing unemployment and a declining economy, if any were to occur, could cause increased provisions. Stock repurchase program will continue to be used opportunistically with $15 million available under the current plan through January 1, 2025. Current capital levels and stock valuation compared to peers support M&A if an opportunity arises.",
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      "text": "Near-Term Outlook",
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