Exhibit 99.2


Selected Financial Data (in thousands except number of employees)
 
9/30/2022
   
6/30/2022
   
9/30/2021
 
Commentary
Scheduled CD maturities for subsequent quarter
 
$
198,908
   
$
196,280
   
$
208,862
   
Average rate scheduled CD maturities for subsequent quarter
   
0.96
%
   
0.62
%
   
0.80
%
 
Cost of total deposits, Qtr-End
   
0.50
%
   
0.22
%
   
0.20
%
 
Cost of interest-bearing DDAs, Qtr-End
   
0.85
%
   
0.31
%
   
0.24
%
 
Cost of interest-bearing deposits, Qtr-End
   
0.75
%
   
0.37
%
   
0.32
%
 
Noninterest bearing DDA balances, Qtr-End
 
$
3,661,936
   
$
4,686,511
   
$
4,366,654
   
Reserve for unfunded commitments, Qtr-End
 
$
1,929
   
$
1,600
   
$
3,000
   
Credit card spend QTD
 
$
274,517
   
$
263,888
   
$
215,755
   
Credit card net income QTD
 
$
2,612
   
$
2,672
   
$
2,043
   
Merchant services fees QTD
 
$
468
   
$
471
   
$
375
   
Mortgage banking income QTD
 
$
784
   
$
614
   
$
1,423
   
FDIC insurance QTD
 
$
975
   
$
960
   
$
1,400
   
Write down tax credit investment QTD
 
$
2,499
   
$
2,499
   
$
2,931
 
The write down of our tax credit investment increased non-interest expenses by $2.5 million during the 3rd quarter 2022, but was offset by an income tax reduction of $3.35 million.
Salaries & employee benefits QTD
 
$
19,687
   
$
20,734
   
$
17,995
 
Excluding an additional $1.8 million accrual in our annual incentive program during the 2nd Qtr of 2022, salaries and benefits increased $750,000 from 6/30/2022 to 9/30/2022.
Other operating expense
 
$
10,613
   
$
7,253
   
$
6,541
 
Third quarter activity includes preliminary settlement of litigation and a write down of a private investment resulting in charges of $3.1 million.
Third party processing and other services QTD
 
$
7,123
   
$
6,345
   
$
4,144
   
Equipment and occupancy expense QTD
 
$
3,140
   
$
2,983
   
$
2,996
   
Business meals QTD
 
$
259
   
$
293
   
$
316
   
Earnings retention YTD
   
79
%
   
79
%
   
79
%
 
Number of employees
   
567
     
550
     
525
   
QTD tax rate
   
17.14
%
   
18.83
%
   
18.0
%
 
YTD  tax rate
   
18.28
%
   
18.89
%
   
19.7
%