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      "text": "Net Interest Income ($ in Millions)",
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      "text": "Net interest income was $40.1 million in 4Q'23 compared to $40.6 million in the prior year quarter. A decrease in the net interest margin was partially offset by an increase in average earnings assets. Net interest margin was 3.26% during the fourth quarter of 2023, compared to 3.52% in the year-ago quarter and 3.23% in the third quarter of 2023.",
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