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 |