MCBS 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-07

• Management’s evaluation of the appropriateness of the reserve for credit losses is often the most critical of accounting estimates for a financial institution. Our determination of the amount of the reserve for credit losses is a critical accounting estimate as it requires significant reliance on th…

• includes an amount for inherent risks not reflected in the historical analyses. Relevant factors include, but are not limited to, concentrations of credit risk (geographic, large borrower, and industry), changes in underwriting standards, changes in collateral values, experience and depth of lending…

• The following table reconciles the non-GAAP financial measurement for return on average equity, tangible book value per share and operating efficiency ratio to their respective most directly comparable GAAP measurements for three and six months ended June 30, 2026 and 2025:

• For the six months ended June 30, 2026 we recorded net income of $44.5 million compared to $33.1 million for the six months ended June 30, 2025, an increase of $11.3 million, or 34.2%. This increase was due to an increase in net interest income of $25.8 million an increase in noninterest income of $…

• Basic and diluted earnings per common share for the three months ended June 30, 2026 was $0.77 and $0.76, respectively, compared to $0.66 and $0.65 for the basic and diluted earnings per common share for the three months ended June 30, 2025. For the six months ended June 30, 2026, basic and diluted …

相对上期删除的文字 · 来源:10-Q · 2026-05-08

• ●the risks related to the pending First IC Corporation (“First IC”) merger including, without limitation: (i) the diversion of management’s time on issues related to the merger; (ii) unexpected transaction costs, including the costs of integrating operations; (iii) the risks that the businesses will…

• in deposit mix; (vi) unexpected operating and other costs, which may differ or change from expectations; (vii) the risks of customer and employee loss and business disruptions, including, without limitation, as the result of difficulties in maintaining relationships with employees; and (viii) increa…

• allowance for unfunded commitments represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit. This allowance is estimated by loan segment at each balance sheet date under the CECL model using the same methodologies as portfolio loans, taking…

• Management’s evaluation of the appropriateness of the reserve for credit losses is often the most critical of accounting estimates for a financial institution. Our determination of the amount of the reserve for credit losses is a critical accounting estimate as it requires significant reliance on th…

• noninterest expense. These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies.