CHCO — what changed in the latest 10-Q

Text added vs the prior filing · source: 10-Q · 2026-05-06

• (1) For demand deposit overdrafts, the allowance for credit losses is measured using the historical loss rate

• Migration is an analysis that tracks a closed pool of loans for a configurable period of time and calculates a loss ratio on only those loans in the pool at the start date based on outstanding balance. Vintage is a predictive loss model that includes a reasonable approximation of probable and estima…

• the expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate.

• The Company's net interest income was $59.6 million for the three months ended March 31, 2026 compared to $55.8 million for the three months ended March 31, 2025 (see Net Interest Income). The Company recorded a $0.6 million provision of credit losses for the three months ended March 31, 2026 compar…

• Selected balance sheet fluctuations from the year ended December 31, 2025 are summarized in the following table (in millions, except percentages):

Text removed vs the prior filing · source: 10-Q · 2025-11-05

• Migration is an analysis that tracks a closed pool of loans for a configurable period of time and calculates a loss ratio on only those loans in the pool at the start date based on outstanding balance. Vintage is a predictive loss model that includes a reasonable approximation of probable and estima…

• included in the collective evaluation. When management determines that foreclosure is probable, the expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate.

• The One Big Beautiful Bill Act (“OBBBA”) was enacted on July 4, 2025. The OBBBA makes permanent certain expiring tax provisions of the 2017 Tax Cuts and Jobs Act and introduces new provisions affecting both businesses and individuals. We are currently evaluating the provisions of the OBBBA, but do n…

• The Company's financial performance is summarized in the following table:

• *ROA (Return on Average Assets) is a measure of the effectiveness of asset utilization. ROE (Return on Average Equity) is a measure of the return on shareholders' investment. ROATCE (Return on Average Tangible Common Equity) is a measure of the return on shareholders' equity, less intangible assets.