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 |