GABC 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-06

• considering the likelihood of loss, management considers the nature of the contingency, the progress of any examination or related protest or appeal, the views of legal counsel and other advisors, experience of the Company or other enterprises in similar matters, if any, and management’s intended re…

• The following table summarizes net interest income (on a tax-equivalent basis) for the six months ended June 30, 2026 and 2025. For tax-equivalent adjustments, an effective tax rate of 21% was used for both periods.(1)

• Principal BalanceIncome / ExpenseYield / RatePrincipal BalanceIncome / ExpenseYield / Rate

• (1)Effective tax rates were determined as though interest earned on the Company’s investments in municipal bonds and loans was fully taxable.

• (2)Loans held-for-sale and non-accruing loans have been included in average loans.

相对上期删除的文字 · 来源:10-Q · 2026-05-06

• estimates that the Company has determined to be the most susceptible to change in the near term relate to the determination of the allowance for credit losses, the valuation of securities available for sale, income tax expense, and the valuation of goodwill and other intangible assets.

• During the first quarter of 2026, net interest income, on a non tax-equivalent basis, totaled $78,851,000, an increase of $12,279,000, or 18%, compared to the first quarter of 2025 net interest income of $66,572,000. The increase in net interest income during the first quarter of 2026 compared with …

• The tax equivalent net interest margin for the quarter ended March 31, 2026 was 4.26% compared with 3.96% in the first quarter of 2025. The improvement in the net interest margin during the first quarter of 2026 compared with the first quarter of

• 2025 was driven by a lower cost of funds primarily attributable to lower deposit costs. The lower cost of deposits was driven by the Federal Reserve’s lowering of the Federal Funds rates over the last several months of 2025 and the Company’s ability to correspondingly lower deposit costs.

• The Company’s net interest margin and net interest income in both periods presented were impacted by accretion of loan discounts on acquired loans. Accretion of discounts on acquired loans totaled $3,456,000 during the first quarter of 2026 and $4,192,000 during the first quarter of 2025. Accretion …

相对上期新增的文字 · 来源:10-Q · 2026-08-06

• Computations for measuring both net interest income and NPV are based on a number of assumptions, including the relative levels of market interest rates and prepayments in mortgage loans and certain types of investments. These computations do not contemplate any actions management may undertake in r…

• indicative of actual results. In addition, certain shortcomings are inherent in the method of computing both net interest income and NPV. Should interest rates remain or decrease below current levels, the proportion of adjustable rate loans could decrease in future periods due to refinancing activit…

相对上期删除的文字 · 来源:10-Q · 2026-05-06

• Computations for measuring both net interest income and NPV are based on a number of assumptions, including the relative levels of market interest rates and prepayments in mortgage loans and certain types of investments. These computations do not contemplate any actions management may undertake in r…

• from those assumed in the modeling. Lastly, the ability of many borrowers to repay their adjustable rate debt may decline during a rising interest rate environment.