OSBK 最新10-Q变化
将 OSBK 最新的定期申报(10-K/10-Q)与上一份同类型申报逐章节对比:每个章节新增/删除的段落数与原文摘录。全部为确定性文本对比——无相似度评分、无方向判断、非投资建议。
对比:10-Q · 2012-05-15 与上一份 10-Q · 2011-11-14
| 章节 | 结果 | 新增 | 删除 | 微调 | 未变 |
|---|---|---|---|---|---|
| 管理层讨论与分析 | 文字有新增/删除 | +14 | −17 | ~10 | 27 |
| 控制与程序 | 文字有新增/删除 | 0 | 0 | ~1 | 1 |
计数单位为段落;"新增/删除"指相对上一份文件新增/删除的文字,不含方向或好坏判断。
未列出(无法可靠提取或缺失):市场风险(第3项)、法律诉讼、风险因素、其他信息
代表性摘录
每个章节最多 5 条、每条约 300 字符的原文摘录,直接来自两份 SEC 文件。
管理层讨论与分析
相对上期新增的文字 · 来源:10-Q · 2012-05-15
Total assets at March 31, 2012 were $277,259,000, representing a $17,413,000 (6.70%) increase from December 31, 2011. Investment securities decreased $6,236,000 as compared to December 31, 2011. Loans decreased $2,620,000 (1.82%) at March 31, 2012 as compared to December 31, 2011, primarily due to l…
At March 31, 2012, the Company had loan concentrations in the housing industry and in the hotel and motel industry. Total commitment amounts for hotel and motel loans were $19,750,000 at March 31, 2012, of which the full amount was funded and outstanding. The Company’s primary risk relating to the h…
As of March 31, 2012, the Company had total commitments for construction and development loans of $11,611,000, of which $8,162,000 was funded and outstanding. The local housing industry has slowed considerably over the past 24 to 36 months, as has occurred at the state and national level. New loan r…
Net interest income increased $41,000 (1.94%) in the first three months of 2012 compared to the same period for 2011. The Bank’s net interest margin for the first three months of 2012 was 3.53%, compared to 3.32% for the same time period during 2011. Yield on interest earning assets, including nonac…
Interest income for the first three months of 2012 was $2,596,000, representing a decrease of $170,000 (6.15%) as compared to the same period in 2011. Interest expense for the first three months of 2012 decreased $211,000 (32.26%) compared to the same period in 2011. The decrease in interest income …
相对上期删除的文字 · 来源:10-Q · 2011-11-14
Total assets at September 30, 2011 were $259,781,000, representing a $19,587,000 (7.01%) decrease from December 31, 2010. Investment securities decreased $815,000 as compared to December 31, 2010. Loans decreased $8,874,000 (5.44%) at September 30, 2011 as compared to December 31, 2010, primarily du…
During the first quarter 2009, the Bank formed Motel Holdings Georgia, Inc., a subsidiary Company for the purpose of holding a motel that was foreclosed upon by the Bank in January 2009. This subsidiary was set up to limit the Bank’s liability on the operations of the motel and to make a more clear …
At September 30, 2011, the Company had loan concentrations in the housing industry and in the hotel and motel industry. Total commitment amounts for hotel and motel loans were $19,828,000 at September 30, 2011, of which the full amount was funded and outstanding. The Company’s primary risk relating …
As of September 30, 2011, the Company had total commitments for construction and development loans of $14,234,000, of which $11,615,000 was funded and outstanding. The local housing industry has slowed considerably over the past 18 to 24 months, as has occurred at the state and national level. New l…
Net interest income increased $59,000 (0.91%) in the first nine months of 2011 compared to the same period for 2010. The Bank’s net interest margin for the first nine months of 2011 was 3.46%, compared to 3.34% for the same time period during 2010. Yield on interest earning assets, including nonaccr…
如何读 10-Q 的风险因素(第 1A 项)
10-Q 的风险因素章节有三种常见形态,本页按其一分类展示:
- 指向(pointer) — 公司仅声明"无重大变化"并指向年度 10-K 的完整风险因素;本季没有自己的风险文本可对比。
- 部分更新(partial) — 公司写明"除下述外无重大变化",只更新部分风险;摘录展示的正是本季新增的内容。
- 全文重述(restated) — 本季重新给出完整风险因素。若上一季只是"指向",则无法逐段对比,本页会将其标为"本季全文重述"。
这只是对文件结构的客观描述,不构成对风险高低的判断。
数据来自 SEC EDGAR 两份申报文件的文本级对比 · 确定性计算(无 AI 生成内容)· 仅供参考 · 非投资建议