SBMW 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-08-14

• The average balance of interest-bearing deposits and other assets, comprised primarily of certificates of deposit in other financial institutions, overnight deposits and stock in the Federal Home Loan Bank of Chicago, decreased $10.8 million, or 37.8%, for the three months ended June 30, 2026, while…

• Interest Expense. Total interest expense increased $340,000, or 62.2%, to $887,000 for the three months ended June 30, 2026 compared to $547,000 for the three months ended June 30, 2025. The increase was primarily comprised of a $328,000 increase in interest expense on borrowings, and a $12,000, or …

• The increase in interest expense on borrowings was due primarily to the $36.3 million increase in the average borrowings outstanding, and a 361 basis point increase in the average cost of borrowings, to 3.61% for the three months ended June 30, 2026 as the Company had no borrowings outstanding durin…

• Net Interest Income. Net interest income increased $418,000, or 21.8%, to $2.3 million for the three months ended June 30, 2026 compared to $1.9 million for the three months ended June 30, 2025. The interest rate spread increased to 3.39% for the three months ended June 30, 2026 from 3.37% for the t…

• Service fees on deposit accounts decreased with the implementation of a new fee structure for CRB accounts in 2026.The decrease in gain on sale of loans was due to a decrease in sales volume year-to-year.

相对上期删除的文字 · 来源:10-Q · 2026-05-14

• Interest Expense. Total interest expense increased $295,000, or 51.6%, to $867,000 for the three months ended March 31, 2026 compared to $572,000 for the three months ended March 31, 2025. The increase was primarily comprised of a $311,000 increase in interest expense on borrowings, which was partia…

• The increase in interest expense on borrowings was due primarily to the $35.0 million increase in the average borrowings outstanding, and a 355 basis point increase in the average cost of borrowings, to 3.55% for the three months ended March 31, 2026. The interest expense on borrowings in 2026 was r…

• Net Interest Income. Net interest income increased $239,000, or 12.2%, to $2.2 million for the three months ended March 31, 2026 compared to $2.0 million for the three months ended March 31, 2025. The interest rate spread increased to 3.06% for the three months ended March 31, 2026 from 3.00% for th…

• The decrease in gain on sale of loans was due to a decrease in sales volume year-to-year. Other noninterest income increased due primarily to an increase in late charges and fees on loans and an increase in fees on cashless ATMs at certain CRB locations.