What changed in this filing

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Item 1A. Risk Factors

2024-05-08 compared with 2023-11-07 · 24 added, 15 removed, 7 unchanged (85% of the section changed)

6 unchanged sentences

Form 10-K are not the only the risks facing our Company.

Increases in inflation and the resulting tightening of Federal

Reserve monetary policy by increased target interest rates and

reductions in the Federal Reserve’s securities portfolio,

and is expected to continue to affect the levels of interest rates,

mortgage originations and income, the market values of our

securities portfolio and loans and have resulted in unrealized losses that have adversely

affected our stockholders’ equity.

These have affected and are expected to continue to affect our

deposit costs and mixes, and consumer savings and payment

These may also affect our borrower’s operating costs,

expected returns and cash flows available to service our

Additional risks and uncertainties not currently known to us or that we currently deem to be

immaterial also may

materially adversely affect our business, financial condition,

and/or operating results in the future.

The persistence of inflation above the Federal Reserve’s

term targets, and the maintenance of or further increases in, tightened Federal

Reserve monetary policy by increased target

interest rates and reductions in the Federal Reserve’s

securities portfolio, have and are expected to continue to affect the

levels of interest rates, mortgage originations and income, the market values of our securities

portfolio and loans and have

resulted in unrealized losses that have adversely affected our stockholders’

These have affected and are expected to

continue to affect our deposit costs and mixes, and consumer savings and

payment behaviors.

These may also affect our

borrower’s operating costs, expected returns and cash flows available

to service our loans.

Additional risks and

uncertainties not currently known to us or that we currently deem to be immaterial

also may materially adversely affect our

business, financial condition, and/or operating results in the future.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

The Company did not repurchase any of its common stock during the first quarter of 2024.

UPON SENIOR SECURITIES

Not applicable.

MINE SAFETY DISCLOSURES

Not applicable.

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-Q

Item 1A. Risk Factors