HFWA 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-07

• Our net income is affected by many factors, including the provision for credit losses on loans. The provision for credit losses on loans is dependent on changes in the loan portfolio and management’s assessment of the collectability of the loan portfolio, as

• well as prevailing economic and market conditions. Management believes that the ACL on loans reflects the amount that is appropriate to provide for current expected credit losses in our loan portfolio based on the CECL methodology.

• Comparison of the six months ended June 30, 2026 to the comparable period in the prior year.

• Net income increased $10.4 million, or 39.7%, to $36.5 million, or $0.90 per diluted common share, for the six months ended June 30, 2026, compared to $26.1 million, or $0.76 per diluted common share, for the same period in 2025.

• The increase in net income was due primarily to a $32.5 million increase in total interest income and a $12.6 million increase in noninterest income. Net interest income increased primarily due to an increase in average interest earning assets, which increased substantially as a result of the Merger…

相对上期删除的文字 · 来源:10-Q · 2026-05-08

• affected by changes in the volume and mix of interest earning assets, interest earned on these assets, the volume and mix of interest bearing liabilities and interest paid on these liabilities.

• Our net income is affected by many factors, including the provision for credit losses on loans. The provision for credit losses on loans is dependent on changes in the loan portfolio and management’s assessment of the collectability of the loan portfolio, as well as prevailing economic and market co…

• The cost of interest bearing deposits decreased 21 basis points to 1.71% for the three months ended March 31, 2026, from 1.92% for same period in 2025. This decrease was primarily due to the deposits acquired from Olympic, which had a lower cost of deposits.

• The (reversal of) provision for credit losses on loans reflects the amount required to maintain the ACL on loans at an appropriate level based upon management’s evaluation of the adequacy of collective and individual loss reserves and is impacted by quarterly charge-offs and recoveries. The reversal…

• The reversal of provision for credit losses on unfunded commitments recognized during the three months ended March 31, 2026 was due primarily to an increase in utilization rates which resulted in a smaller unfunded capacity.

相对上期删除的文字 · 来源:10-Q · 2026-05-08

• are reinvested into the same categories at the current level of interest rates. The simulation also assumes an instantaneous and sustained uniform change in market interest rates at all maturities.