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      "text": "4Q 2023 Highlights: Net Interest Income of $156 million improved 7%, $196 million loan growth, $271 million of average customer deposit growth, 3.52% NIM, 34 bps increase, Loan yield increased 28 bps, Tangible Common Equity Ratio improved 80 bps, HTLF 3.0 initiated",
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      "text": "FY 2023 Highlights: Loan growth of $640 million or 5.6%, Commercial business loans increased 9.6%, 41% decrease in Wholesale and Institutional deposits, 19% increase in Tangible Book Value per Share, Tangible Common Equity Ratio improved 132 bps, Dividend increase",
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