Exhibit 99.2
Selected Financial Data (in thousands except number of employees) | 12/31/2023 | 9/30/2023 | 12/31/2022 | |||||||||
Scheduled CD maturities for subsequent quarter | $ | 296,905 | $ | 186,477 | $ | 311,315 | ||||||
Average rate scheduled CD maturities for subsequent quarter | 4.02 | % | 3.65 | % | 1.70 | % | ||||||
Average loan rate - loan originations booked final month of Qtr (excludes fees) | 8.34 | % | 8.35 | % | 5.41 | % | ||||||
Cost of total deposits, Qtr-End | 3.24 | % | 3.17 | % | 1.66 | % | ||||||
Cost of interest-bearing DDAs, Qtr-End | 4.01 | % | 4.01 | % | 2.39 | % | ||||||
Cost of interest-bearing deposits, Qtr-End | 4.04 | % | 4.00 | % | 2.32 | % | ||||||
Noninterest bearing DDA balances, Qtr-End | $ | 2,643,101 | $ | 2,621,072 | $ | 3,321,347 | ||||||
Reserve for unfunded commitments, Qtr-End | $ | 575 | $ | 575 | $ | 575 | ||||||
Credit card spend QTD | $ | 269,890 | $ | 268,986 | $ | 262,684 | ||||||
Credit card net income QTD | $ | 2,004 | $ | 2,532 | $ | 2,261 | ||||||
Merchant services fees QTD | $ | 585 | $ | 594 | $ | 490 | ||||||
Mortgage banking income QTD | $ | 792 | $ | 825 | $ | 514 | ||||||
FDIC insurance QTD | $ | 9,300 | $ | 2,100 | $ | 1,075 | ||||||
Write down tax credit investment QTD | $ | 4,723 | $ | 2,230 | $ | 2,499 | ||||||
Salaries & employee benefits QTD | $ | 23,024 | $ | 20,080 | $ | 19,230 | ||||||
Other operating expense | $ | 12,590 | $ | 7,826 | $ | 4,957 | ||||||
Third party processing and other services QTD | $ | 7,841 | $ | 6,549 | $ | 8,170 | ||||||
Equipment and occupancy expense QTD | $ | 3,860 | $ | 3,579 | $ | 3,263 | ||||||
Earnings retention YTD | 71 | % | 72 | % | 80 | % | ||||||
Number of employees | 608 | 576 | 580 | |||||||||
QTD tax rate | 10.91 | % | 13.81 | % | 19.49 | % | ||||||
YTD tax rate | 15.43 | % | 16.51 | % | 18.56 | % |
Available Liquidity | 12/31/2023 | ||
Cash | $ | 2,131,08 | |
Investment Securities (mkt value), net of pledged | $ | 384,489 | |
Total on balance sheet liquidity | $ | 2,515,577 | |
FHLB fundings availability | $ | 2,582,828 | |
Correspondent lines of credit availability | $ | 275,000 | |
Brokered deposit availability (25% of assets per policy) | $ | 4,032,000 | |
Federal Reserve Bank fundings availability | $ | 2,167,020 | |
Total Available Liquidity | $ | 11,572,425 |