CZWI 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-06

• •costs and risks associated with responding to actions of activist stockholders;

• Compared to the second quarter of 2025, the second quarter of 2026 net interest income increased $0.2 million. The second quarter of 2026 increase from the same period in 2025 was largely due to: (1) a $0.7 million decrease in interest expense due to lower deposit costs; (2) the impact of the Septem…

• The total provision for credit losses for the second quarter ended June 30, 2026, was $4.325 million compared to a provision for credit losses of $1.350 million for the quarter ended June 30, 2025. The second quarter of 2026 provision was largely due to: (1) a net increase of $3.1 million in specifi…

• Non-interest income decreased $0.2 million in the second quarter of 2026, compared to the second quarter of 2025, primarily due to lower gains on the sale of loans of $0.3 million.

• For the six months ended June 30, 2026, net interest income increased $1.6 million from the same period in 2025. The impact of higher loan portfolio yields and lower deposit interest expense in the first quarter of 2026 compared to the first quarter of 2025 were the primary reasons for the change al…

相对上期删除的文字 · 来源:10-Q · 2026-05-06

• Compared to the first quarter of 2025, the first quarter of 2026 net interest income increased $1.4 million. The first quarter 2026 increase from the same period in 2025 was largely due to: (1) a 20 basis point increase in loan yields due to new loan originations and existing loans repricing at high…

• The total provision for credit losses for the first quarter ended March 31, 2026, was $0.75 million compared to a negative provision for credit losses of $0.25 million for the quarter ended March 31, 2025. The first quarter of 2026 provision was largely due to: (1) a net increase of $0.4 million, wi…

• Non-interest income increased $0.5 million in the first quarter of 2026, compared to the first quarter of 2025, primarily due to higher gains on the sale of loans, due in part to the backlog of SBA loans unable to be sold during the fourth quarter of 2025, due to the government shutdown and then sol…

• Net interest income was $13.0 million for the three months ended March 31, 2026, compared to $11.6 million for the three months ended March 31, 2025. Compared to the first quarter of 2025, the first quarter of 2026 net interest income increased $1.4 million. The first quarter 2026 increase from the …

• increase in loan yields due to new loan originations and existing loans repricing at higher rates; and (2) a 28 basis point decrease in deposit rates, largely due to lower short-term interest rates resulting from Federal Open Market Committee

相对上期新增的文字 · 来源:10-Q · 2026-08-06

• There have been no material changes from the risk factors as previously disclosed in “Risk Factors” in Item 1A of our 2025 10-K, except as described below:

• Our business could be materially and adversely affected due to the actions of activist stockholders. On June 4, 2026, a group of stockholders led by Andrew Schornack (the “Reporting Persons”) filed a Schedule 13D reporting beneficial ownership of approximately 9.1% of our outstanding common stock (a…