Exhibit 99.2

 

Selected Financial Data (in thousands except number of employees)    9/30/2024      6/30/2024      9/30/2023  
Scheduled CD maturities for subsequent quarter  $396,852   $399,395   $186,477 
Average rate scheduled CD maturities for subsequent quarter   4.85%   4.72%   3.65%
Average loan rate - loan originations/renewals QTD (excludes fees)   7.67%   8.05%   8.34%
Cost of total deposits, Qtr-End   3.01%   3.34%   3.17%
Cost of interest-bearing DDAs, Qtr-End   3.65%   4.07%   4.01%
Cost of interest-bearing deposits, Qtr-End   3.75%   4.12%   3.96%
Noninterest bearing DDA balances, Qtr-End  $2,576,329   $2,475,415   $2,621,072 
Reserve for unfunded commitments, Qtr-End  $1,302   $1,078   $575 
Credit card spend QTD  $270,133   $261,486   $266,721 
Credit card net income QTD  $1,925   $2,333   $2,532 
Merchant services fees QTD  $606   $595   $594 
Mortgage banking income QTD  $1,352   $1,379   $825 
FDIC insurance QTD  $2,100   $1,950   $2,100 
Salaries & employee benefits QTD  $25,057   $24,213   $20,080 
Other operating expense  $4,572   $3,623   $7,826 
Third party processing and other services QTD  $8,035   $7,465   $6,549 
Equipment and occupancy expense QTD  $3,795   $3,567   $3,579 
Earnings retention YTD   70%   68%   71%
Number of full-time equivalent employees   620    625    568 
QTD tax rate   17.23%   21.71%   13.81%
YTD tax rate   18.81%   19.70%   16.51%

 

Available Liquidity    9/30/2024  
    
Cash and cash equivalents  $1,760,231 
Investment Securities (mkt value), net of pledged  $346,999 
Total on balance sheet liquidity  $2,107,230 
      
FHLB fundings availability  $2,927,801 
Correspondent lines of credit availability  $225,000 
Brokered deposit availability (25% of assets per policy)  $4,111,969 
Federal Reserve Bank fundings availability  $2,148,118 
Total Available Liquidity  $11,520,118