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  "notes": "Includes breakdown of FTE NIM, GAAP NIM, and contributions from loan discounts and PPP fees.",
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      "text": "Fourth quarter 2023 net interest margin decreased 14 basis points from the prior quarter, primarily attributable to higher funding costs which outpaced an increase in asset yields. 38% of the loan portfolio matures or reprices within the next 12 months. Loan mix is 64% fixed rate and 36% variable rate, and 71% of variable rate loans have floors.",
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      "text": "* Annualized measure; 1 Tax-equivalent basis metric; 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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