What changed in this filing

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Item 5. Market for Registrant’s Common Equity

2024-03-14 compared with 2023-03-17 · 37 added, 19 removed, 77 unchanged (42% of the section changed)

31 unchanged sentences

The amount and frequency

of cash dividends will be determined in the judgment of the Board based

upon a number of factors, including the

Company’s earnings, financial

condition, liquidity, capital and

regulatory requirements and other relevant factors and the

availability of dividend payable by the Bank consistent with amounts available

therefore, including the Bank’s earnings,

financial condition, liquidity, regulatory

of cash dividends is determined in the judgment of the Board based upon a number of factors,

including the Company’s

earnings, financial condition, liquidity,

capital and regulatory requirements and other relevant factors and the availability

dividend payable by the Bank consistent with amounts available therefore, including the Bank’s

earnings, financial

condition, liquidity, regulatory

and capital requirements and other relevant factors.

The Board currently intends to

continue its present dividend policies.

The Board currently intends to continue

its present dividend policies.

The amount of dividends payable by the Bank is limited by law and regulation.

The Company relies upon dividends from

the Bank to pay Company expenses and to pay dividends on Company common stock.

The need to maintain adequate

capital and liquidity in the Bank also limits the dividends that may be paid to the Company.

The Bank and the Company

can only pay dividends, repurchase stock and pay discretionary bonuses, if our capital

conservation buffer exceeds 2.5%

and from our eligible retained income over the last four calendar quarters.

Eligible retained income equals the greater of:

net income for the four preceding calendar quarters, net of any distributions and associated

tax effects not already

reflected in net income;

the average net income over the preceding four quarters.

Federal Reserve policy could restrict future dividends on our Common Stock, depending

on our earnings and capital

position and likely needs.

See “Supervision and Regulation – Payment of Dividends”

and “Management’s Discussion

Analysis of Financial Condition and Results of Operations – Capital Adequacy”.

The amount of dividends payable by the Bank is limited by law and regulation.

The need to maintain adequate capital and

liquidity in the Bank also limits dividends that may be paid to the Company.

position, risks and likely needs.

See “Supervision and Regulation –

Payment of Dividends” and “Management’s Discussion

and Analysis of Financial Condition and Results of Operations – Capital

Adequacy” and “Risk Factors -

Our ability to

continue to pay dividends to shareholders and

repurchase stock in

the future is subject to our profitability,

capital, liquidity

and regulatory requirements

and these limitations may prevent or limit future

Performance Graph

4 unchanged sentences

Region Index (assuming a $100 investment on December 31, 2018).

Cumulative total return

represents the change in stock

Cumulative total

return represents the change in stock

price and the amount of dividends received over the indicated period, assuming the

35 unchanged sentences

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 5. Market for Registrant’s Common Equity