|
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 |
|