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 |