MGNO 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-12

• Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities. Demand for our loan products is susceptible to changes in overall market lending rates…

• Critical accounting policies are defined as those that are reflective of significant judgments and uncertainties and could reflect materially different results under different assumptions and conditions. Methodologies the Company uses when applying critical accounting policies and developing critica…

• During the three months ended March 31, 2026, the measurement of the Company’s deferred income tax assets and liabilities was identified as a critical accounting estimate.

• There were no other material changes or developments during the reporting period with respect to methodologies that the Company uses when applying what management believes are critical accounting policies and developing critical accounting estimates as previously disclosed in its Form 10-K for the y…

• Comparison of Financial Condition at March 31, 2026 and December 31, 2025

相对上期删除的文字 · 来源:10-Q · 2025-11-10

• Our results of operations also may be affected significantly by general and local economic and competitive conditions, changes in market interest rates, governmental policies and actions of regulatory authorities.

• The Federal Reserve Board began increasing its federal funds rate in March 2022 to combat inflation, with 11 increases aggregating 5.25% occurring between March 2022 and July 2023. These increases resulted in substantial increases in market interest rates, including the rates we pay on our certifica…

• In September 2025, the Federal Reserve Board decreased its federal funds rate by 0.25% to 4.0%, which was followed by a second 0.25% decrease on October 29, 2025. We expect these rate reductions will continue to result in declines in our cost of funds. At September 30, 2025, we had $4.9 million of c…

• Our principal objective is to build long-term value for our shareholders by operating a profitable community-oriented financial institution dedicated to meeting the banking needs of our customers by emphasizing personalized and efficient customer service.

• Continue to focus on originating fixed-rate one- to four-family residential mortgage loans and residential construction loans for retention in our portfolio. We are primarily a fixed-rate one- to four-family residential mortgage loan lender for borrowers in our primary market area. Our residential c…

相对上期新增的文字 · 来源:10-Q · 2026-05-12

• During the quarter ended March 31, 2026, there have been no changes in the Company’s internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting. We will continue to develop and refin…

相对上期删除的文字 · 来源:10-Q · 2025-11-10

• During the quarter ended September 30, 2025, there have been no changes in the Company’s internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting, except for those actions taken to…