Exhibit 99.2

 

Selected Financial Data (in thousands except number of employees)  3/31/2024  12/31/2023  3/31/2023
Scheduled CD maturities for subsequent quarter  $358,069   $296,905   $156,886 
Average rate scheduled CD maturities for subsequent quarter   4.53%   4.02%   2.38%
Average loan rate - loan originations/renewals QTD (excludes fees)   8.05%   8.31%   7.88%
Cost of total deposits, Qtr-End   3.20%   3.24%   2.31%
Cost of interest-bearing DDAs, Qtr-End   3.96%   4.01%   3.12%
Cost of interest-bearing deposits, Qtr-End   4.01%   4.04%   3.08%
Noninterest bearing DDA balances, Qtr-End  $2,627,639   $2,643,101   $2,898,736 
Reserve for unfunded commitments, Qtr-End  $742   $575   $575 
Credit card spend QTD  $255,839   $267,529   $259,592 
Credit card net income QTD  $2,155   $2,004   $1,689 
Merchant services fees QTD  $508   $585   $455 
Mortgage banking income QTD  $678   $792   $442 
FDIC insurance QTD  $1,850   $9,300   $1,275 
Write down tax credit investment QTD  $2,197   $4,723   $2,716 
Salaries & employee benefits QTD  $22,986   $23,024   $19,066 
Other operating expense  $7,195   $12,590   $6,702 
Third party processing and other services QTD  $7,166   $7,841   $7,284 
Equipment and occupancy expense QTD  $3,557   $3,860   $3,435 
Earnings retention YTD   67%   71%   74%
Number of employees   611    598    581 
QTD tax rate   17.50%   10.91%   18.07%
YTD  tax rate   17.50%   15.43%   18.07%
                
Available Liquidity   3/31/2024           
                
 Cash  $1,450,899           
 Investment Securities (mkt value), net of pledged  $457,211           
 Total on balance sheet liquidity  $1,908,110           
                
 FHLB fundings availability  $2,761,350           
 Correspondent lines of credit availability  $265,000           
 Brokered deposit availability (25% of assets per policy)  $3,930,408           
 Federal Reserve Bank fundings availability  $2,153,267           
 Total Available Liquidity  $11,018,134