|
Selected Financial Data (in thousands
except number of employees)
|
9/30/2023
|
6/30/2023
|
9/30/20222
|
|||||||||
|
Scheduled CD maturities for subsequent quarter
|
$
|
186,477
|
$
|
152,562
|
$
|
198,908
|
||||||
|
Average rate scheduled CD maturities for subsequent quarter
|
3.65
|
%
|
3.00
|
%
|
0.96
|
%
|
||||||
|
Average loan rate - loan originations booked final month of Qtr (excludes fees)
|
8.35
|
%
|
7.99
|
%
|
5.98
|
%
|
||||||
|
Cost of total deposits, Qtr-End
|
3.17
|
%
|
2.76
|
%
|
0.50
|
%
|
||||||
|
Cost of interest-bearing DDAs, Qtr-End
|
4.01
|
%
|
3.62
|
%
|
0.85
|
%
|
||||||
|
Cost of interest-bearing deposits, Qtr-End
|
3.96
|
%
|
3.60
|
%
|
0.75
|
%
|
||||||
|
Noninterest bearing DDA balances, Qtr-End
|
$
|
2,621,072
|
$
|
2,855,102
|
$
|
3,661,936
|
||||||
|
Reserve for unfunded commitments, Qtr-End
|
$
|
575
|
$
|
575
|
$
|
1,929
|
||||||
|
Credit card spend QTD
|
$
|
268,986
|
$
|
277,822
|
$
|
274,517
|
||||||
|
Credit card net income QTD
|
$
|
2,532
|
$
|
2,406
|
$
|
2,612
|
||||||
|
Merchant services fees QTD
|
$
|
594
|
$
|
581
|
$
|
468
|
||||||
|
Mortgage banking income QTD
|
$
|
825
|
$
|
696
|
$
|
784
|
||||||
|
FDIC insurance QTD
|
$
|
2,100
|
$
|
2,000
|
$
|
975
|
||||||
|
Write down tax credit investment QTD
|
$
|
2,230
|
$
|
2,384
|
$
|
2,499
|
||||||
|
Salaries & employee benefits QTD
|
$
|
20,080
|
$
|
18,795
|
$
|
19,687
|
||||||
|
Other operating expense
|
$
|
7,826
|
$
|
6,224
|
$
|
10,613
|
||||||
|
Third party processing and other services QTD
|
$
|
6,549
|
$
|
6,198
|
$
|
7,213
|
||||||
|
Equipment and occupancy expense QTD
|
$
|
3,579
|
$
|
3,421
|
$
|
3,140
|
||||||
|
Earnings retention YTD
|
71
|
%
|
73
|
%
|
79
|
%
|
||||||
|
Number of employees
|
576
|
583
|
567
|
|||||||||
|
QTD tax rate
|
13.81
|
%
|
17.38
|
%
|
16.92
|
%
|
||||||
|
YTD tax rate
|
16.51
|
%
|
17.74
|
%
|
18.21
|
%
|
||||||