Exhibit 99.2

 

Selected Financial Data (in thousands except number of employees)    6/30/2024      3/31/2024      6/30/2023  
Scheduled CD maturities for subsequent quarter  $399,395   $358,069   $152,562 
Average rate scheduled CD maturities for subsequent quarter   4.72%   4.53%   3.00%
Average loan rate - loan originations/renewals QTD (excludes fees)   8.05%   8.05%   7.99%
Cost of total deposits, Qtr-End   3.34%   3.20%   2.76%
Cost of interest-bearing DDAs, Qtr-End   4.07%   3.96%   3.62%
Cost of interest-bearing deposits, Qtr-End   4.12%   4.01%   3.60%
Noninterest bearing DDA balances, Qtr-End  $2,475,415   $2,627,639   $2,855,102 
Reserve for unfunded commitments, Qtr-End  $1,078   $742   $575 
Credit card spend QTD  $261,486   $255,839   $277,822 
Credit card net income QTD  $2,333   $2,155   $2,406 
Merchant services fees QTD  $595   $508   $581 
Mortgage banking income QTD  $1,379   $678   $696 
FDIC insurance QTD  $1,950   $3,650   $2,000 
Write down tax credit investment QTD  $(1,628)  $2,197   $2,384 
Salaries & employee benefits QTD  $24,213   $22,986   $18,795 
Other operating expense  $3,623   $7,195   $6,224 
Third party processing and other services QTD  $7,465   $7,166   $6,198 
Equipment and occupancy expense QTD  $3,567   $3,557   $3,421 
Earnings retention YTD   68%   67%   73%
Number of employees   625    611    583 
QTD tax rate   21.71%   17.50%   17.38%
YTD tax rate   19.70%   17.50%   17.74%

 

Available Liquidity    6/30/2024  
    
 Cash and cash equivalents  $1,276,765 
 Investment Securities (mkt value), net of pledged  $346,922 
 Total on balance sheet liquidity  $1,623,687 
      
 FHLB fundings availability  $2,883,095 
 Correspondent lines of credit availability  $225,000 
 Brokered deposit availability (25% of assets per policy)  $4,012,454 
 Federal Reserve Bank fundings availability  $2,154,226 
 Total Available Liquidity  $10,898,462