(In thousands, except per share data)

Selected Year-End Data: 2024 2023 2022
Total Assets 7,011,238 6,476,857 6,353,593
Total Deposits 6,129,022 5,274,114 5,205,164
Total Investment Securities 886,179 658,372 656,939
Total Loans 5,520,920 5,436,120 5,300,872
Total Shareholders' Equity 605,849 583,681 532,980
Pre-Tax Income 44,952 67,281 102,344
Net Income 32,988 48,854 74,246
Assets Under Management and/or Administration (Market Value) 11.9 billion 10.9 billion 9.9 billion
Per Common Share:
Earnings—Basic 1.87 2.74 4.09
Earnings—Diluted 1.85 2.71 4.00
Book Value 34.45 32.90 29.92
Financial Ratios:
Net Interest Margin 2.32% 2.48% 2.91%
Return on Average Assets 0.50 0.76 1.20
Return on Average Common Equity 5.61 8.77 14.02
Company's Regulatory Capital Ratios:
Total Capital to Risk-Weighted Assets 14.84% 14.95% 14.73%
Tier 1 Capital to Risk-Weighted Assets 11.51 11.43 11.02
Common Equity Tier 1 Capital to Risk-Weighted Assets 11.51 11.43 11.02
Tier 1 Capital to Average Assets 9.01 9.19 8.90
$7.01B
Total Assets
$6.13B
Total deposits
$605.8M
Total Capital