−Removed: At September 30, 2022, we had 45 traditional branch offices and nine in-store branch offices.
+Added: At September 30, 2023, we had 46 traditional branch offices and five in-store branch offices.
The Bank owns the office building and related land in which its home office and executive offices are located, and 35 of its other branch offices.
The remaining 15 branches are either leased or partially owned.
−Removed: There are four of the Bank's in-store branch offices for which the leases will not be renewed at the time of their upcoming expiration in January 2023.
For additional information regarding our lease obligations, see "Part II, Item 8.
1 unchanged sentence
Premises, Equipment and Leases."
−Removed: Management believes that our current facilities are adequate to meet our present and immediately foreseeable needs.
−Removed: However, we will continue to monitor customer growth and expand our branching network, if necessary, to serve our customers' needs.
+Added: Management believes that our number of current facilities meet the present and immediately foreseeable needs of our customers.
+Added: Management will continue to evaluate the performance of these locations through a number of metrics, including but not limited to, customer traffic, and determine on at least an annual basis whether or not we are branched in a way that most effectively serves our existing and prospective customer bases.
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.