Exhibit 99.2

 

Selected Financial Data (in thousands except number of employees)  12/31/2024  9/30/2024  12/31/2023
Scheduled CD maturities for subsequent quarter  $509,533   $396,852   $296,905 
Average rate scheduled CD maturities for subsequent quarter   4.61%   4.85%   4.02%
Average loan rate - loan originations/renewals QTD (excludes fees)   7.10%   7.67%   8.31%
Cost of total deposits, Qtr-End   2.77%   3.01%   3.24%
Cost of interest-bearing DDAs, Qtr-End   3.32%   3.65%   4.01%
Cost of interest-bearing deposits, Qtr-End   3.44%   3.75%   4.04%
Noninterest bearing DDA balances, Qtr-End  $2,619,687   $2,576,329   $2,643,101 
Reserve for unfunded commitments, Qtr-End  $608   $1,302   $575 
Credit card spend QTD  $263,629   $270,133   $267,529 
Credit card net income QTD  $1,867   $1,925   $2,004 
Merchant services fees QTD  $569   $606   $585 
Mortgage banking income QTD  $1,513   $1,352   $792 
FDIC insurance QTD  $2,225   $2,100   $9,300 
Salaries & employee benefits QTD  $24,062   $25,057   $23,024 
Other operating expense  $6,455   $4,572   $12,590 
Third party processing and other services QTD  $8,515   $8,035   $7,841 
Equipment and occupancy expense QTD  $3,600   $3,795   $3,860 
Earnings retention YTD   70%   70%   71%
Number of full-time equivalent employees   630    620    598 
QTD tax rate   17.89%   17.23%   10.91%
YTD tax rate   18.55%   18.81%   15.43%

 

Available Liquidity  12/31/2024
    
Cash and cash equivalents  $2,376,634 
Investment Securities (mkt value), net of pledged  $352,313 
Total on balance sheet liquidity  $2,728,947 
      
FHLB fundings availability  $3,067,337 
Correspondent lines of credit availability  $225,000 
Brokered deposit availability (25% of assets per policy)  $4,337,929 
Federal Reserve Bank fundings availability  $2,112,813 
Total Available Liquidity  $12,472,026