Years Ended December 31, Condensed Consolidated Statements of Income 2024 2023 % Change Net interest income $268,065 $241,516 11% Provision for credit losses 3,850 4,990 -23% Noninterest income 82,267 35,972 129% Noninterest expense 191,353 185,866 3% Income before income tax expense 155,129 86,632 79% Income tax expense 31,070 25,116 24% Net income $124,059 $61,516 102% Return on average assets 1.45% 0.73% 0.72% Return on average tangible common equity 17.50% 10.58% 6.92% Efficiency ratio 54.97% 59.50% -4.53% Diluted earnings per common share $8.05 $4.08 97% At December 31, Condensed Consolidated Balance Sheets 2024 2023 % Change Cash and cash equivalents $536,047 $491,431 9% Securities 806,415 802,573 0% Loans, net 6,560,262 6,290,332 4% Goodwill and other intangibles 388,140 394,366 -2% All other assets 505,931 489,976 3% Total assets $8,796,795 $8,468,678 4% Deposits $7,403,684 $7,197,800 3% Wholesale funding 161,387 166,930 -3% Other liabilities 58,826 64,941 -9% Common equity 1,172,898 1,039,007 13% Total liabilities and stockholders' equity $8,796,795 $8,468,678 4% Book value $76.38 $69.76 9% Tangible book value $51.10 $43.28 18%