FINW 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-12

• Our financial condition and results of operations depend primarily on our ability to originate loans and leases directly, or by using our strategic relationships with third-party loan origination platforms, to earn interest and non-interest income.

• Our lending focuses on two main lending areas: (1) traditional lending which includes SBA 7(a) loans, residential and commercial real estate, and commercial leasing; and (2) Strategic Programs lending which includes held-for-sale, credit enhanced, and retained loans. For a description and analysis o…

• Historically, we managed our business as a single operating and reportable segment. In the third quarter of 2025, after completing a technology initiative to capture and report segment-specific financial data, we revised our reportable segments. Due to significant operational growth and how our chie…

• •We generated $2.7 million and $3.2 million of net income for the three months ended March 31, 2026 and 2025, respectively. The decrease in net income was primarily impacted by higher net-charge offs, which led to an increased provision for credit losses within our traditional banking portfolio.This…

• •Total assets decreased by $77.7 million to $899.4 million as of March 31, 2026 compared to December 31, 2025, principally due to decreases in interest-bearing cash deposits, loans held-for-sale and loans-held-for-investment.

相对上期删除的文字 · 来源:10-Q · 2025-11-10

• Our financial condition and results of operations depend primarily on our ability to originate loans and leases directly, or by using our strategic relationships with third-party loan origination platforms, to earn interest and non-interest income. We focus on four main lending areas: (i) SBA 7(a) l…

• Historically, we managed our business on the basis of one operating and reportable segment. During the third quarter of 2025, we revised our reportable segments to reflect a change in the manner in which the business is managed. Based on significant operational growth and how our chief operating dec…

• •We generated $4.9 million and $3.5 million of net income for the three months ended September 30, 2025 and 2024, respectively, and $12.2 million and $9.9 million of net income for the nine months ended September 30, 2025 and 2024, respectively. Net income increased as we benefited from the past inv…

• •Total assets increased by $154.0 million to $899.9 million as of September 30, 2025 compared to December 31, 2024, principally in loans held-for-sale and loans held-for-investment. We believe our strong capital levels support our current and planned growth strategy.

• Net interest income increased for the three months ended September 30, 2025, compared to the same period in 2024 primarily due to an increase in the Bank’s credit enhanced balances in the held-for-investment portfolio of $40.7 million and increased average balances in the Strategic Program loans hel…

相对上期删除的文字 · 来源:10-Q · 2025-11-10

• The outcome of the pending litigation described above is uncertain. We intend to defend vigorously against the foregoing pending lawsuit and any other lawsuits as they may arise in the ordinary course of business. However, litigation is inherently uncertain, and we are unable to predict the outcome …