EX-99.2 3 exh_992.htm EXHIBIT 99.2 EdgarFiling

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