Content analysis
?Positive | ||
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Legalese | ||
Litigous | ||
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H.S. sophomore Avg
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New words:
absence, accusation, Ackley, Affinity, Air, Amagara, artificial, BCP, beta, blockchain, BTFP, Canal, CDPSE, center, CISA, CISSP, cloud, conflict, contact, correlate, CRISC, CRO, David, derecognized, DIS, disciplined, East, Elm, emotional, encumbrance, entirety, eroding, escrow, excellent, expenditure, facility, Fed, Forum, geopolitical, greenwashing, Guard, handling, heard, Heart, intelligence, inversion, invoke, invoking, IRP, landscape, loyal, Marungi, MDR, metric, Middle, modest, neighboring, NIST, outflow, Override, peak, Plaza, Portland, preclude, prepaid, prioritizing, recruiting, Red, remix, reposition, safeguarded, Science, shutdown, Signature, Silicon, Simon, slightly, solar, steadily, stopped, subdivision, subside, suddenly, SVP, task, tempered, title, twelve, uncollateralized, unfounded, Unpledged, upper, vacancy, Valley, Washington
Removed:
ABA, administrator, agent, Alliance, August, automobile, background, benchmark, boat, burden, Campbell, Chair, compromise, concession, concessionary, conform, conservative, decade, detecting, disqualifying, Dufour, equaling, execution, expertise, FleetBoston, footage, Gregory, grew, IBEX, illiquidity, impair, insignificant, intrinsic, Joanne, leased, MaineHealth, merged, Nightingale, nonvested, output, payroll, phasing, pool, promising, publication, publicized, ransom, ransomware, reducing, reflection, released, remotely, repricing, request, requested, responding, segmented, square, strongly, Timothy, unexercised, UnitedKingfield, vehicle, volunteer, worked
Financial report summary
?Management Discussion
- Net interest income is the interest earned on our lending activities, investment securities and other interest-earning assets, less the interest paid on interest-bearing deposits and borrowings (i.e. our primary business activities). Net interest income, which is our largest source of revenue, accounted for 81%, 78% and 73% of total revenues for the years ended 2023, 2022 and 2021, respectively. Net interest income is affected by factors including, but not limited to, changes in interest rates, loan and deposit pricing strategies and competitive conditions, loan prepayment speeds, the volume and mix of interest-earning assets and interest-bearing liabilities, and the level of non-performing assets.