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Risk Factors Update Summary
- From 2022 to 2023, inflation has risen significantly, impacting our customers' ability to repay loans. This change might result in increased default rates.
- At September 30, 2024, certificates of deposit comprised 78.7% of total deposits, up from 70.4% in 2023. This change could lead to higher funding costs.
- We may need to raise additional capital in the future, which could adversely affect our financial condition. This change highlights potential liquidity challenges.
- The foreclosure process may adversely impact recoveries on non-performing loans, delaying resolution and increasing losses. This change emphasizes risks in the current economic climate.
- Our lending activities provide lower interest rate returns than competitors, increasing credit risk associated with residential properties. This change could affect profitability.
Full Text Changes in Most Recent 10-K
Intended use: review the highlighted statements. These are additions to the risk factors disclosure in the most recent 10-K filing compared to the previous 10-K filing. Deleted and moved text is less important and is shown for context.
To view the full company filings, click on the following link to be taken to the SEC EDGAR database landing page for the company: https://www.sec.gov/edgar/browse/?CIK=1381668&owner=exclude
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