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 |