NKSH 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-13

• our ability to maintain existing deposit relationships or attract new deposit relationships,

• increased competition with other financial institutions and fintech companies,

• The ACLL represents the Company's best estimate of current expected credit losses on loans over the expected life as of the measurement date. The estimation utilizes internal and peer historical credit loss experience, current conditions and reasonable and supportable forecasts. The results are also…

• The Company employs a discounted cash flow ("DCF") model whereby cash flows are projected according to each loan's contractual terms and modified by internal historical prepayment rates. Cash flows are then discounted at the loan's effective interest rate, modified by loss rates determined using the…

• Key to loss rate application is the Company's risk grading system, which is governed by a robust policy. Loss rates are calculated and applied by risk grade. Management relies upon risk grades to identify loans with risk characteristics that are different from other loans within a segment. Loans gra…

相对上期删除的文字 · 来源:10-Q · 2025-11-13

• On June 1, 2024, the Company and the Bank acquired FCB, a Virginia chartered commercial bank headquartered in Waynesboro, Virginia. FCB’s balances and results of operations are included in the Company’s consolidated results beginning on June 1, 2024.

• Core system conversion expense stems from a core system upgrade that will provide greater efficiency and product offerings.

• Merger-related expense net of tax of $6 for the period ended September 30, 2024

• Partnership income net of tax of ($44) and ($35) for the periods ended September 30, 2025 and 2024, respectively

• ACL provision, net of tax of $271 for the period ended September 30, 2024