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      "text": "Continued loan growth and excellent asset quality: Loans increased $61.6 million (1.8%) vs Sept 30, 2023. Nonperforming assets to total assets of 0.17%; net charge-offs to average loans of 0.06%.",
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      "text": "Diversified deposit base: Deposits increased $203.4 million. Maintained strong net interest margin of 3.93% (3.99% tax-equivalent). Cost of funds increased 30 bps to 1.26%; total cost of deposits increased 36 bps to 1.05%; yield on average earning assets increased 16 bps to 5.13%.",
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      "text": "Strong profitability: Net income of $18.4 million, or $0.58 per diluted share; ROAA of 1.46% and ROATCE of 18.96%. Adjusted net income of $19.3 million, or $0.60 per diluted share; adjusted ROAA of 1.53% and adjusted ROATCE of 19.81%. Noninterest expenses decreased 0.9% vs Q3 2023.",
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      "text": "1 See \"Non-GAAP reconciliations\" in the Appendix for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures",
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      "text": "Q4 2023 Highlights",
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