Exhibit 99.2

 

Selected Financial Data (in thousands except number of employees)  3/31/2025  12/31/2024  3/31/2024
Scheduled CD maturities for subsequent quarter  $697,149   $509,533   $358,069 
Average rate scheduled CD maturities for subsequent quarter   4.31%   4.61%   4.53%
Average loan rate - loan originations/renewals QTD (excludes fees)   6.84%   7.10%   8.05%
Cost of total deposits, Qtr-End   2.78%   2.77%   3.20%
Cost of interest-bearing deposits, Qtr-End   3.42%   3.44%   4.01%
Net interest margin, final month of Qtr   2.86%   2.95%   2.68%
Noninterest bearing DDA balances, Qtr-End  $2,647,577   $2,619,687   $2,627,639 
Reserve for unfunded commitments, Qtr-End  $768   $608   $742 
Credit card spend QTD  $259,777   $263,629   $255,839 
Credit card net income QTD  $1,968   $1,867   $2,155 
Merchant services fees QTD  $509   $569   $508 
Mortgage banking income QTD  $613   $1,513   $678 
FDIC insurance QTD  $2,587   $2,225   $3,650 
Salaries & employee benefits QTD  $22,879   $24,062   $22,986 
Other operating expense  $6,948   $6,455   $7,195 
Third party processing and other services QTD  $7,738   $8,515   $7,166 
Equipment and occupancy expense QTD  $3,722   $3,600   $3,557 
Earnings retention YTD   70%   70%   67%
Number of full-time equivalent employees   636    630    611 
QTD tax rate   20.06%   17.89%   17.50%
YTD  tax rate   20.06%   18.55%   17.50%
                
Available Liquidity   3/31/2025    12/31/2024    3/31/2024 
 Cash and cash equivalents  $3,349,720   $2,376,634   $1,450,899 
 Investment Securities (mkt value), net of pledged  $325,403   $352,313   $457,211 
 Total on balance sheet liquidity  $3,675,123   $2,728,947   $1,908,110 
                
 FHLB fundings availability  $3,084,683   $3,067,337   $2,761,350 
 Correspondent lines of credit availability  $225,000   $225,000   $265,000 
 Brokered deposit availability (25% of assets per policy)  $4,656,692   $4,337,929   $3,930,408 
 Federal Reserve Bank fundings availability  $2,196,604   $2,112,813   $2,153,267 
 Total Available Liquidity  $13,838,102   $12,472,026   $11,018,135