Exhibit 99.2
Selected Financial Data (in thousands except number of employees) | 6/30/2025 | 3/31/2025 | 6/30/2024 | |||||||||
Scheduled CD maturities for subsequent quarter | $ | 693,261 | $ | 697,149 | $ | 399,395 | ||||||
Average rate scheduled CD maturities for subsequent quarter | 4.14 | % | 4.31 | % | 4.72 | % | ||||||
Average loan rate - loan originations/renewals QTD (excludes fees) | 7.07 | % | 6.84 | % | 8.05 | % | ||||||
Cost of total deposits, Qtr-End | 2.76 | % | 2.78 | % | 3.34 | % | ||||||
Cost of interest-bearing deposits, Qtr-End | 3.41 | % | 3.42 | % | 4.07 | % | ||||||
Net interest margin, final month of Qtr | 3.35 | % | 2.86 | % | 2.80 | % | ||||||
Noninterest bearing DDA balances, Qtr-End | $ | 2,632,058 | $ | 2,647,577 | $ | 2,475,415 | ||||||
Reserve for unfunded commitments, Qtr-End | $ | 655 | $ | 768 | $ | 1,078 | ||||||
Credit card spend QTD | $ | 268,045 | $ | 259,777 | $ | 261,486 | ||||||
Credit card net income QTD | $ | 2,119 | $ | 1,968 | $ | 2,333 | ||||||
Merchant services fees QTD | $ | 600 | $ | 509 | $ | 595 | ||||||
Mortgage banking income QTD | $ | 1,323 | $ | 613 | $ | 1,379 | ||||||
FDIC insurance QTD | $ | 2,475 | $ | 2,587 | $ | 1,950 | ||||||
Salaries & employee benefits QTD | $ | 22,576 | $ | 22,879 | $ | 24,213 | ||||||
Other operating expense | $ | 5,416 | $ | 6,948 | $ | 3,623 | ||||||
Third party processing and other services QTD | $ | 8,005 | $ | 7,738 | $ | 7,465 | ||||||
Equipment and occupancy expense QTD | $ | 3,698 | $ | 3,722 | $ | 3,567 | ||||||
Earnings retention YTD | 71 | % | 71 | % | 68 | % | ||||||
Number of full-time equivalent employees | 659 | 636 | 625 | |||||||||
QTD tax rate | 19.82 | % | 20.06 | % | 21.71 | % | ||||||
YTD tax rate | 19.94 | % | 20.06 | % | 19.70 | % | ||||||
Available Liquidity | 6/30/2025 | 3/31/2025 | 6/30/2024 | |||||||||
Cash and cash equivalents | $ | 1,710,904 | $ | 3,349,720 | $ | 1,276,765 | ||||||
Investment Securities (mkt value), net of pledged | $ | 618,144 | $ | 325,403 | $ | 346,922 | ||||||
Total on balance sheet liquidity | $ | 2,329,048 | $ | 3,675,123 | $ | 1,623,687 | ||||||
FHLB fundings availability | $ | 3,244,071 | $ | 3,084,683 | $ | 2,883,095 | ||||||
Correspondent lines of credit availability | $ | 225,000 | $ | 225,000 | $ | 225,000 | ||||||
Brokered deposit availability (25% of assets per policy) | $ | 4,344,657 | $ | 4,656,692 | $ | 4,012,454 | ||||||
Federal Reserve Bank fundings availability | $ | 2,211,658 | $ | 2,196,604 | $ | 2,154,226 | ||||||
Total Available Liquidity | $ | 12,354,434 | $ | 13,838,102 | $ | 10,898,462 |