7 unchanged sentences
If the COVID-19 pandemic worsens it could limit or disrupt our ability to provide banking and financial services to our customers.
−Removed: Although the stay-at-home orders in Indiana and Oho have terminated and phased re-opening of businesses has commenced, the majority of our employees with the ability to work remotely have been encouraged to continue doing so while continuing to provide banking services to our customers.
+Added: Although the stay-at-home orders in Indiana and Ohio have terminated and phased re-opening of businesses has commenced, the majority of our employees with the ability to work remotely have been encouraged to continue doing so while continuing to provide banking services to our customers.
Heightened cybersecurity, information security and operational risks may result from these remote work-from-home arrangements.
13 unchanged sentences
Consistent with guidance provided by banking regulators, we have modified loans by providing various loan payment deferral options to our borrowers affected by the COVID-19 pandemic.
−Removed: Notwithstanding these modifications, these borrowers may not be able to resume making full payments on their loans once the COVID-19 pandemic is resolved.
+Added: Notwithstanding these modifications, these borrowers may not be able to resume making full
+Added: payments on their loans once the COVID-19 pandemic is resolved.
Any increases in the allowance for credit losses will result in a decrease in net income and, most likely, capital, and may have a material negative effect on our financial condition and results of operations.
−Removed: As of June 30, 2020, we hold and service a portfolio of approximately 752 PPP loans with a balance of $75.1 million.
+Added: As of September 30, 2020, we hold and service a portfolio of approximately 482 PPP loans with a balance of $64.9 million.
The PPP loans are subject to the provisions of the CARES Act and to complex and evolving rules and guidance issued by the SBA and other government agencies.
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.