| 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 | |
