2 unchanged sentences
Consolidated Balance Sheets
−Removed: June 30, 2023 and December 31, 2022
+Added: September 30, 2023 and December 31, 2022
(Dollars in thousands)
+Added: September 30,
Cash and due from banks, including reserve requirements of $ 0 at both 9/30/23 and 12/31/22
26 unchanged sentences
authorized 20,000,000 shares;
−Removed: issued and outstanding 5,590,799 shares at June 30, 2023 and 5,636,830 shares at December 31, 2022
+Added: issued and outstanding 5,549,799 shares at September 30, 2023 and 5,636,830 shares at December 31, 2022
Common stock held by deferred compensation trust, at cost;
−Removed: 165,142 shares at June 30, 2023 and 169,094 shares at December 31, 2022
+Added: 167,193 shares at September 30, 2023 and 169,094 shares at December 31, 2022
Deferred compensation
6 unchanged sentences
Consolidated Statements of Earnings
−Removed: Three and Six Months Ended June 30, 2023 and 2022
+Added: Three and Nine Months Ended September 30, 2023 and 2022
(Dollars in thousands, except per share amounts)
Three months ended
−Removed: Six months ended
+Added: Nine months ended
+Added: September 30,
+Added: September 30,
Interest income:
38 unchanged sentences
Consolidated Statements of Comprehensive Income (Loss)
−Removed: Three and Six Months Ended June 30, 2023 and 2022
+Added: Three and Nine Months Ended September 30, 2023 and 2022
(Dollars in thousands)
Three months ended
−Removed: Six months ended
−Removed: Other comprehensive income (loss):
−Removed: Unrealized holding gains (losses) on securities available for sale
+Added: Nine months ended
+Added: September 30,
+Added: September 30,
+Added: Other comprehensive loss:
+Added: Unrealized holding losses on securities available for sale
Reclassification adjustment for losses on securities available for sale included in net earnings
−Removed: Total other comprehensive income (loss), before income taxes
−Removed: Income tax expense (benefit) related to other comprehensive income:
−Removed: Unrealized holding gains (losses) on securities available for sale
−Removed: Reclassification adjustment for losses on on securities available for sale included in net earnings
−Removed: Total income tax expense (benefit) related to other comprehensive income
−Removed: Total other comprehensive income (loss), net of tax
+Added: Total other comprehensive loss, before income taxes
+Added: Income tax benefit related to other comprehensive income:
+Added: Unrealized holding losses on securities available for sale
+Added: Reclassification adjustment for losses on securities available for sale included in net earnings
+Added: Total income tax benefit related to other comprehensive income
+Added: Total other comprehensive loss, net of tax
Total comprehensive income (loss)
2 unchanged sentences
Consolidated Statements of Changes in Shareholders' Equity
−Removed: Three and Six Months Ended June 30, 2023 and 2022
+Added: Three and Nine Months Ended September 30, 2023 and 2022
(Dollars in thousands)
2 unchanged sentences
Adoption of new accounting standard, net of tax
−Removed: Cash dividends declared on common stock
+Added: Cash dividends declared on common stock ($0.34 per share)
Restricted stock units exercised
Equity incentive plan, net
−Removed: Change in accumulated other comprehensive income, net of tax
+Added: Change in accumulated other comprehensive loss, net of tax
Balance, March 31, 2023
Common stock repurchase
−Removed: Cash dividends declared on common stock
+Added: Cash dividends declared on common stock ($0.19 per share)
Equity incentive plan, net
1 unchanged sentence
Balance, June 30, 2023
+Added: Common stock repurchase
+Added: Cash dividends declared on common stock ($0.19 per share)
+Added: Equity incentive plan, net
+Added: Change in accumulated other comprehensive loss, net of tax
+Added: Balance, September 30, 2023
Balance, December 31, 2021
Common stock repurchase
−Removed: Cash dividends declared on common stock
+Added: Cash dividends declared on common stock ($0.33 per share)
Restricted stock units exercised
3 unchanged sentences
Common stock repurchase
−Removed: Cash dividends declared on common stock
+Added: Cash dividends declared on common stock ($0.18 per share)
Equity incentive plan, net
1 unchanged sentence
Balance, June 30, 2022
+Added: Cash dividends declared on common stock ($0.18 per share)
+Added: Equity incentive plan, net
+Added: Change in accumulated other comprehensive loss, net of tax
+Added: Balance, September 30, 2022
See accompanying Notes to Consolidated Financial Statements.
1 unchanged sentence
Consolidated Statements of Cash Flows
−Removed: Six Months Ended June 30, 2023 and 2022
+Added: Nine Months Ended September 30, 2023 and 2022
(Dollars in thousands)
19 unchanged sentences
Proceeds from paydowns on other investments
−Removed: Redemptions (purchases) of FHLB stock
+Added: Purchases of FHLB stock
Net change in loans
14 unchanged sentences
Consolidated Statements of Cash Flows, continued
−Removed: Six Months Ended June 30, 2023 and 2022
+Added: Nine Months Ended September 30, 2023 and 2022
(Dollars in thousands)
74 unchanged sentences
Accrued interest receivable is excluded from the estimate of credit losses.
−Removed: The allowance for credit losses represents management’s estimate of lifetime credit losses inherent in loans as of June 30, 2023.
+Added: The allowance for credit losses represents management’s estimate of lifetime credit losses inherent in loans as of September 30, 2023.
The allowance for credit losses is estimated by management using relevant available information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts.
The Company measures expected credit losses for loans on a pooled basis when similar risk characteristics exist.
−Removed: No loans were individually evaluated as of June 30, 2023.
+Added: No loans were individually evaluated as of September 30, 2023.
The Company has identified the following portfolio segments and calculates the allowance for credit losses for each using a Weighted Average Remaining Maturity (“WARM”) methodology:
17 unchanged sentences
The calculated loss rate is applied to the contractual term (adjusted for prepayments) to determine the loan pool’s current expected credit losses.
−Removed: The Company’s forecast component projects the next four quarters to have similar loss rates to the period between November 1, 2015 and June 30, 2019, and then with a reversion back to the long-term average over four quarters.
+Added: The Company’s forecast component projects the next four quarters to have similar loss rates to the period between November 1, 2015 and September 30, 2019, and then with a reversion back to the long-term average over four quarters.
+Added: This period is intended to reflect the environment that began when the Federal Reserve started its last series of rate hikes beginning in November of 2015, and reflects the overall loan loss rates of the Company during this time of no higher than 0.4%.
+Added: This period has been extended from the prior quarter by three months, and had minor impacts on the loss rates.
+Added: The Company expects to adjust these time frames for affecting the forecast periods as the rate environment changes to reflect either increasing or decreasing loan loss rates that will adjust the historical loss rates.
Additionally, the allowance for credit losses calculation includes subjective adjustments for qualitative risk factors that are likely to cause estimated credit losses to differ from historical experience.
9 unchanged sentences
When management determines that foreclosure is probable and the borrower is experiencing financial difficulty, the expected credit losses are based on the fair value of collateral at the reporting date unadjusted for selling costs as appropriate.
−Removed: The Company did not have any loans evaluated on an individual basis at June 30, 2023.
+Added: The Company did not have any loans evaluated on an individual basis at September 30, 2023.
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit issued to meet customer financing needs.
8 unchanged sentences
Investment Securities
−Removed: Investment securities available for sale at June 30, 2023 and December 31, 2022 are as follows:
+Added: Investment securities available for sale at September 30, 2023 and December 31, 2022 are as follows:
(Dollars in thousands)
−Removed: June 30, 2023
+Added: September 30, 2023
Amortized Cost
−Removed: Gross Unrealized Gains
−Removed: Gross Unrealized Losses
+Added: Unrealized Gains
+Added: Unrealized Losses
U.S Treasuries
5 unchanged sentences
Amortized Cost
−Removed: Gross Unrealized Gains
−Removed: Gross Unrealized Losses
+Added: Unrealized Gains
+Added: Unrealized Losses
U.S Treasuries
2 unchanged sentences
State and political subdivisions
−Removed: The current fair value and associated unrealized losses on investments in securities with unrealized losses at June 30, 2023 and December 31, 2022 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
+Added: The current fair value and associated unrealized losses on investments in securities with unrealized losses at September 30, 2023 and December 31, 2022 are summarized in the tables below, with the length of time the individual securities have been in a continuous loss position.
(Dollars in thousands)
−Removed: June 30, 2023
+Added: September 30, 2023
Less than 12 Months
12 Months or More
−Removed: Unrealized Losses
−Removed: Unrealized Losses
−Removed: Unrealized Losses
Government sponsored enterprises
5 unchanged sentences
12 Months or More
−Removed: Unrealized Losses
−Removed: Unrealized Losses
−Removed: Unrealized Losses
Government sponsored enterprises
1 unchanged sentence
State and political subdivisions
−Removed: At June 30, 2023, unrealized losses in the investment securities portfolio relating to debt securities totaled $ 56.9 million.
+Added: At September 30, 2023, unrealized losses in the investment securities portfolio relating to debt securities totaled $ 66.3 million.
The unrealized losses on these debt securities arose due to changing interest rates and are considered to be temporary.
−Removed: From the June 30, 2023 tables above, all three of the U.S.
+Added: From the September 30, 2023 tables above, all three of the U.S.
Treasury securities, all 108 of the securities issued by state and political subdivisions, all seven of the securities issued by U.S.
2 unchanged sentences
Government sponsored enterprises, including mortgage-backed securities.
−Removed: The Company does not have an allowance for credit losses on available for sale securities at June 30, 2023.
+Added: The Company does not have an allowance for credit losses on available for sale securities at September 30, 2023.
At December 31, 2022, unrealized losses in the investment securities portfolio relating to debt securities totaled $ 62.3 million.
5 unchanged sentences
Government sponsored enterprises, including mortgage-backed securities.
−Removed: The amortized cost and estimated fair value of investment securities available for sale at June 30, 2023, presented by contractual maturity, are shown below.
+Added: The amortized cost and estimated fair value of investment securities available for sale at September 30, 2023, presented by contractual maturity, are shown below.
Expected maturities of mortgage-backed securities will differ from contractual maturities because borrowers have the right to prepay obligations with or without prepayment penalties.
−Removed: June 30, 2023
+Added: September 30, 2023
(Dollars in thousands)
5 unchanged sentences
Mortgage-backed securities
−Removed: No securities available for sale were sold during the three months ended June 30, 2023.
−Removed: During the six months ended June 30, 2023, proceeds from sales of securities available for sale were $ 51.0 million and resulted in gross losses of $ 2.7 million and gross gains of $ 177,000 .
−Removed: No securities available for sale were sold during the six months ended June 30, 2022.
−Removed: Securities with a fair value of approximately $ 120.7 million and $ 96.0 million at June 30, 2023 and December 31, 2022, respectively, were pledged to secure public deposits and for other purposes as required by law.
−Removed: Major classifications of loans at June 30, 2023 and December 31, 2022 are summarized as follows:
+Added: No securities available for sale were sold during the three months ended September 30, 2023.
+Added: During the nine months ended September 30, 2023, proceeds from sales of securities available for sale were $ 51.0 million and resulted in gross losses of $ 2.7 million and gross gains of $ 177,000 .
+Added: No securities available for sale were sold during the nine months ended September 30, 2022.
+Added: Securities with a fair value of approximately $ 129.8 million and $ 96.0 million at September 30, 2023 and December 31, 2022, respectively, were pledged to secure public deposits and for other purposes as required by law.
+Added: Major classifications of loans at September 30, 2023 and December 31, 2022 are summarized as follows:
(Dollars in thousands)
−Removed: December 31, 2022
+Added: September 30,
Real estate loans:
30 unchanged sentences
Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
−Removed: The following tables present an age analysis of past due loans, by loan type, as of June 30, 2023 and December 31, 2022:
−Removed: June 30, 2023
+Added: The following tables present an age analysis of past due loans, by loan type, as of September 30, 2023 and December 31, 2022:
+Added: September 30, 2023
(Dollars in thousands)
33 unchanged sentences
All other loans
−Removed: The following table presents non-accrual loans as of June 30, 2023 and December 31, 2022:
+Added: The following table presents non-accrual loans as of September 30, 2023 and December 31, 2022:
CECL Methodology
Incurred Loss Methodology
+Added: September 30, 2023
December 31, 2022
24 unchanged sentences
If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted.
−Removed: The following table shows the amortized cost basis at June 30, 2023 of the loans to borrowers experiencing financial difficulty that were modified during the six months ended June 30, 2023, disaggregated by loan class and type of concession granted.
−Removed: There were no loans to borrowers experiencing financial difficulty that were modified during the three months ended June 30, 2023
+Added: The following table shows the amortized cost basis at September 30, 2023 of the loans to borrowers experiencing financial difficulty that were modified during the nine months ended September 30, 2023, disaggregated by loan class and type of concession granted.
+Added: There were no loans to borrowers experiencing financial difficulty that were modified during the three months ended September 30, 2023.
(Dollars in thousands)
Term Extension
−Removed: Amortized Cost Basis at June 30, 2023
+Added: Amortized Cost Basis at
+Added: September 30, 2023
% of Loan Class
10 unchanged sentences
Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.
−Removed: No loans modified in the six months ended June 30, 2023 that were made to borrowers experiencing financial difficulty had been written off at June 30, 2023.
+Added: No loans modified in the nine months ended September 30, 2023 that were made to borrowers experiencing financial difficulty had been written off at September 30, 2023.
The Bank closely monitors the performance of those loans that are modified because borrowers are experiencing financial difficulty so as to understand the effectiveness of its modification efforts.
−Removed: The following table shows the performance of loans that have been modified in the six months ended June 30, 2023.
+Added: The following table shows the performance of loans that have been modified in the nine months ended September 30, 2023.
(Dollars in thousands)
Payment Status (Amortized Cost Basis)
−Removed: 30 - 89 Days Past Due
−Removed: 90 + Days Past Due
Single-family residential
19 unchanged sentences
Total impaired loans
−Removed: The following table presents the average impaired loan balance and the interest income recognized by loan class for the three and six months ended June 30, 2022 and the twelve months ended December 31, 2022.
+Added: The following table presents the average impaired loan balance and the interest income recognized by loan class for the three and nine months ended September 30, 2022 and the twelve months ended December 31, 2022.
(Dollars in thousands)
Three months ended
−Removed: Six months ended
+Added: Nine months ended
Twelve months ended
−Removed: June 30, 2022
−Removed: June 30, 2022
+Added: September 30, 2022
+Added: September 30, 2022
December 31, 2022
16 unchanged sentences
Total impaired loans
−Removed: Impaired loans collectively evaluated for impairment totaled $ 5.3 million $ 4.9 million at June 30, 2022 and December 31, 2022, respectively and are included in the tables above.
−Removed: Allowance on impaired loans collectively evaluated for impairment totaled $ 47,000 and $ 44,000 at June 30, 2022 and December 31, 2022, respectively.
−Removed: The following tables present changes in the allowance for credit losses for the three and six months ended June 30, 2023 and 2022.
−Removed: The June 30, 2023 table reflects the CECL methodology and the June 30, 2022 table reflects the Incurred Loss methodology.
+Added: Impaired loans collectively evaluated for impairment totaled $ 5.1 million $ 4.9 million at September 30, 2022 and December 31, 2022, respectively and are included in the tables above.
+Added: Allowance on impaired loans collectively evaluated for impairment totaled $ 44,000 and $ 44,000 at September 30, 2022 and December 31, 2022, respectively.
+Added: The following tables present changes in the allowance for credit losses for the three and nine months ended September 30, 2023 and 2022.
+Added: The September 30, 2023 table reflects the CECL methodology and the September 30, 2022 table reflects the Incurred Loss methodology.
Paycheck Protection Program (“PPP”) loans are excluded from the allowance for credit losses because PPP loans are guaranteed by the Small Business Administration (“SBA”).
−Removed: No loans were individually evaluated as of June 30, 2023.
+Added: No loans were individually evaluated as of September 30, 2023.
(Dollars in thousands)
5 unchanged sentences
Consumer and All Other
−Removed: Three months ended June 30, 2023
+Added: Three months ended September 30, 2023
Allowance for credit losses:
Beginning balance
−Removed: Provision (recovery) for unfunded commitments
−Removed: Provision (recovery) for loan losses
+Added: Provision (recovery) for
+Added: unfunded commitments
+Added: Provision (recovery) for
Ending balance
−Removed: Six months ended June 30, 2023
+Added: Nine months ended September 30, 2023
Allowance for credit losses:
Beginning balance
−Removed: Adjustment for CECL implementation
+Added: Adjustment for CECL
+Added: implementation
Provision (recovery) for unfunded commitments
2 unchanged sentences
Allowance for credit loss-loans
−Removed: Allowance for credit losses loan commitments
+Added: Allowance for credit losses unfunded loan commitments
Total allowance for credit losses
6 unchanged sentences
Consumer and All Other
−Removed: Six months ended June 30, 2022:
+Added: Nine months ended September 30, 2022:
Allowance for loan losses:
1 unchanged sentence
Ending balance
−Removed: Three months ended June 30, 2022:
+Added: Three months ended September 30, 2022:
Allowance for loan losses:
1 unchanged sentence
Ending balance
−Removed: Allowance for loan losses at June 30, 2022:
+Added: Allowance for loan losses at September 30, 2022:
Ending balance:
3 unchanged sentences
Ending balance
−Removed: Loans at June 30, 2022:
+Added: Loans at September 30, 2022:
Ending balance
12 unchanged sentences
There is a distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
−Removed: The following table presents by credit quality indicator, loan class and year of origination, the amortized cost of the Bank’s loans as of June 30, 2023.
+Added: The following table presents by credit quality indicator, loan class and year of origination, the amortized cost of the Bank’s loans as of September 30, 2023.
Term Loans by Origination Year
(dollars in thousands)
−Removed: June 30, 2023
+Added: September 30, 2023
Real Estate Loans
30 unchanged sentences
The average market price during the applicable period is used to compute equivalent shares.
−Removed: The reconciliation of the amounts used in the computation of both “basic earnings per share” and “diluted earnings per share” for the three and six months ended June 30, 2023 and 2022 is as follows:
−Removed: For the three months ended June 30, 2023
+Added: The reconciliation of the amounts used in the computation of both “basic earnings per share” and “diluted earnings per share” for the three and nine months ended September 30, 2023 and 2022 is as follows:
+Added: For the three months ended September 30, 2023
Net Earnings (Dollars in thousands)
4 unchanged sentences
Restricted stock units - unvested
−Removed: Shares held in deferred comp plan
−Removed: by deferred compensation trust
+Added: Shares held in deferred comp plan by deferred compensation trust
Diluted earnings per share
−Removed: For the six months ended June 30, 2023
+Added: For the nine months ended September 30, 2023
Net Earnings (Dollars in thousands)
4 unchanged sentences
Restricted stock units - unvested
−Removed: Shares held in deferred comp plan
−Removed: by deferred compensation trust
+Added: Shares held in deferred comp plan by deferred compensation trust
Diluted earnings per share
−Removed: For the three months ended June 30, 2022
+Added: For the three months ended September 30, 2022
Net Earnings (Dollars in thousands)
4 unchanged sentences
Restricted stock units - unvested
−Removed: Shares held in deferred comp plan
−Removed: by deferred compensation trust
+Added: Shares held in deferred comp plan by deferred compensation trust
Diluted earnings per share
−Removed: For the six months ended June 30, 2022
+Added: For the nine months ended September 30, 2022
Net Earnings (Dollars in thousands)
4 unchanged sentences
Restricted stock units - unvested
−Removed: Shares held in deferred comp plan
−Removed: by deferred compensation trust
+Added: Shares held in deferred comp plan by deferred compensation trust
Diluted earnings per share
−Removed: (5) Fair Value
The Company is required to disclose fair value information about financial instruments, whether or not recognized on the face of the balance sheet, for which it is practicable to estimate that value.
54 unchanged sentences
In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
−Removed: The tables below present all financial instruments measured at fair value on a recurring basis by level within the fair value hierarchy, as of June 30, 2023 and December 31, 2022.
+Added: The tables below present all financial instruments measured at fair value on a recurring basis by level within the fair value hierarchy, as of September 30, 2023 and December 31, 2022.
(Dollars in thousands)
−Removed: June 30, 2023
+Added: September 30, 2023
Level 1 Valuation
1 unchanged sentence
Level 3 Valuation
−Removed: sponsored enterprises
+Added: Government sponsored enterprises
Mortgage-backed securities
6 unchanged sentences
Level 3 Valuation
−Removed: sponsored enterprises
+Added: Government sponsored enterprises
Mortgage-backed securities
1 unchanged sentence
Mutual funds held in deferred compensation trust
−Removed: The fair value measurements for mortgage loans held for sale and individually evaluated loans on a non-recurring basis at June 30, 2023 and December 31, 2022 are presented below.
+Added: The fair value measurements for mortgage loans held for sale and individually evaluated loans on a non-recurring basis at September 30, 2023 and December 31, 2022 are presented below.
The fair value measurement process uses certified appraisals and other market-based information;
2 unchanged sentences
(Dollars in thousands)
−Removed: Fair Value Measurements June 30, 2023
+Added: Fair Value Measurements September 30, 2023
Level 1 Valuation
11 unchanged sentences
(Dollars in thousands)
−Removed: Fair Value June 30, 2023
−Removed: Fair Value December 31, 2022
+Added: September 30, 2023
+Added: December 31, 2022
Valuation Technique
6 unchanged sentences
Discounts to reflect current market conditions and ultimate collectability
−Removed: The carrying amount and estimated fair value of financial instruments at June 30, 2023 and December 31, 2022 are as follows:
+Added: The carrying amount and estimated fair value of financial instruments at September 30, 2023 and December 31, 2022 are as follows:
(Dollars in thousands)
−Removed: Fair Value Measurements at June 30, 2023
+Added: Fair Value Measurements at September 30, 2023
Carrying Amount
3 unchanged sentences
Mortgage loans held for sale
−Removed: Mutual funds held in deferred
−Removed: compensation trust
−Removed: Securities sold under agreements
−Removed: to repurchase
+Added: Mutual funds held in deferred compensation trust
+Added: Securities sold under agreements to repurchase
Junior subordinated debentures
6 unchanged sentences
Mortgage loans held for sale
−Removed: Mutual funds held in deferred
−Removed: compensation trust
−Removed: Securities sold under agreements
−Removed: to repurchase
+Added: Mutual funds held in deferred compensation trust
+Added: Securities sold under agreements to repurchase
Junior subordinated debentures
−Removed: As of June 30, 2023, the Bank had operating right of use assets of $ 5.1 million and operating lease liabilities of $ 5.1 million.
+Added: As of September 30, 2023, the Bank had operating right of use assets of $ 4.9 million and operating lease liabilities of $ 5 .0 million.
The Bank maintains operating leases on land and buildings for some of the Bank’s branch facilities and loan production offices.
3 unchanged sentences
Leases with a term of 12 months or less are not recorded on the balance sheet and instead are recognized in lease expense on a straight-line basis over the lease term.
−Removed: The following table presents lease cost and other lease information as of June 30, 2023 and 2022.
+Added: The following table presents lease cost and other lease information as of September 30, 2023 and 2022.
(Dollars in thousands)
−Removed: June 30, 2023
−Removed: June 30, 2022
+Added: September 30,
+Added: September 30,
Operating lease cost
5 unchanged sentences
Weighted-average discount rate - operating leases
−Removed: The following table presents lease maturities as of June 30, 2023.
+Added: The following table presents lease maturities as of September 30, 2023.
(Dollars in thousands)
Maturity Analysis of Operating Lease Liabilities:
−Removed: June 30, 2023
+Added: September 30,
Imputed Interest
9 unchanged sentences
(Dollars in thousands)
−Removed: As of and for the three months ended June 30, 2023
+Added: As of and for the three months ended September 30, 2023
Interest income
8 unchanged sentences
Net income (loss)
−Removed: As of and for the three months ended June 30, 2022
+Added: As of and for the three months ended September 30, 2022
Interest income
8 unchanged sentences
Net income (loss)
−Removed: As of and for the six months ended June 30, 2023
+Added: As of and for the nine months ended September 30, 2023
Interest income
8 unchanged sentences
Net income (loss)
−Removed: As of and for the six months ended June 30, 2022
+Added: As of and for the nine months ended September 30, 2022
Interest income
12 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.