Content analysis
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New words:
absorb, administration, agree, April, assist, attempt, attention, Audited, balloon, BankersBank, brokered, case, category, certificate, characteristic, characterized, Checking, close, Coast, CODM, commensurate, cybersecurity, decision, delinquent, deployment, deserve, deserving, disaggregate, disaggregated, doubtful, drop, Elk, emerging, expertise, explanation, expose, forbearance, forgive, forthcoming, fraud, fulfill, Galt, grantor, grouped, Grove, Hilmar, illustrated, improbable, inadequate, interruption, irrevocable, jeopardize, jurisdiction, lack, left, letter, licensed, Linden, Lodi, maker, Manteca, marked, mention, Merced, Modesto, monthly, multiple, nonqualified, nonrecurring, owed, Pacific, PCBB, professional, proprietary, quantifiable, questionable, reconciliation, reconciling, renewed, Riverbank, Sacramento, small, stabilized, Stockton, substandard, suspended, threshold, TIB, title, Turlock, uncorrected, uninsured, vast, vendor, venture, watch, workout
Removed:
accumulated, acquisition, adjustable, AFS, agricultural, allocating, area, capability, capitalized, careful, carry, clear, CLTV, commitment, competition, confirmed, consideration, consistent, coverage, creditor, crop, doc, equipment, excluded, exhibiting, experienced, Family, farmland, FHLMC, FICO, finance, FNMA, forward, growing, important, imprecision, institution, inventory, investor, issuance, ITC, lessee, lessor, lien, livestock, LLC, longer, LTV, macro, managed, minimal, modernization, modification, multifamily, Occasionally, occupied, owner, peak, plant, PPP, principle, producing, production, proposed, recreational, reduction, represent, residual, responsive, restructuring, retain, rural, scope, seasonal, seasonality, shorter, stated, structuring, subprime, successful, surrender, System, tertiary, thirty, tied, timeframe, track, traditional, troubled, true, unallocated, underwriting, underwritten, unsecured, viewed, working, written
Financial report summary
?Management Discussion
- Factors that determine the level of net income include the volume of earning assets and interest bearing liabilities, yields earned and rates paid, fee income, non-interest expense, the level of non-performing loans and other non-earning assets, and the amount of non-interest bearing liabilities supporting earning assets. Non-interest income includes card processing fees, service charges on deposit accounts, bank-owned life insurance income, gains/losses on the sale of investment securities, and gains/losses on deferred compensation plan investments. Non-interest expense consists primarily of salaries and employee benefits, cost of deferred compensation benefits, occupancy, data processing, deposit insurance, marketing, professional services, and other expenses.