Financial Data and Key Metrics Changes - The company's earnings for Q4 were reported at $44.7 million, or $0.70 per diluted share [8] - Net interest income increased by $1.9 million to $135.5 million, driven by loan growth of $257 million and a decrease in deposit costs [9] - Non-interest income decreased by $55.1 million compared to Q3, primarily due to a one-time gain from the sale of an insurance agency in the previous quarter [10] - Non-interest expense for Q4 was $114.7 million, a decrease of $7 million from Q3, largely due to reduced merger and conversion expenses [10] Business Line Data and Key Metrics Changes - Total assets grew by $76.1 million, mainly due to strong loan growth, which was partially offset by a decrease in cash [12] - The adjusted net interest margin increased by 2 basis points to 3.34% for the quarter [14] - Adjusted loan yields decreased by 14 basis points to 6.27%, while the total cost of deposits decreased by 16 basis points to 2.35% [14] Market Data and Key Metrics Changes - The company experienced strong deposit growth, particularly in interest-bearing deposits, which increased by $189 million [9] - Total deposits increased by $63 million, despite a reduction of $127 million in brokered deposits [9] - Criticized loans as a percentage of total loans decreased by 13 basis points to 2.89%, and nonperforming assets as a percentage of total assets decreased by 3 basis points to 0.68% [14] Company Strategy and Development Direction - The company is focused on generating loan growth, disciplined pricing, and steady credit performance as it prepares for a merger expected to complete in the first half of 2025 [5][6] - Management expressed optimism about the merger's potential to strengthen the balance sheet and earnings profile, aiming to create a top-performing regional bank in the Southeast [16] Management's Comments on Operating Environment and Future Outlook - Management noted that the regulatory environment is expected to change positively, which could benefit the company [30] - The outlook for net interest margin has shifted from modest compression to modest expansion due to better-than-expected deposit pricing [19] - The company remains positive about loan growth trends and expects continued strong performance across various business lines and regions [25] Other Important Information - The company recorded a credit loss provision on loans of $3.1 million, with net charge-offs of $1.7 million [13] - Management highlighted the importance of managing expenses efficiently, especially in light of upcoming merger-related costs [11] Q&A Session Summary Question: How should we think about near-term trends for the NIM? - Management indicated that the funding base performed better than anticipated, leading to an outlook for modest expansion in the margin [19] Question: What were new loan origination yields in the quarter? - New and renewed loan yields were around 7.35%, with December's spot yield slightly above 7% [21] Question: Any updates on the pending merger and approval process? - Management confirmed that the merger application is proceeding well, with expectations to complete it in the first half of the year [28] Question: Any changes in appetite for growth in loan segments? - Management stated that there are no changes in growth appetite and remains positive about most asset classes [66] Question: What is the expected increase in expenses for 2025? - Management guided for a 2% to 3% increase in expenses for 2025, while continuing to manage costs effectively [44]

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JULY 19, 2024 Registration Statement No. 333-280653 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ASMENDMENT NO. 1 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ATLANTIC INTERNATIONAL CORP. (Exact name of Registrant as specified in its Charter) Delaware 7363 46-5319744 (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer I ...

Table of Contents As filed with the United States Securities and Exchange Commission on March 13, 2023 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 SR Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) (State or other jurisdiction of incorporation or organization) 220 West Union Avenue Bound Brook, New Jersey 08805 (732) 560-1700 (Address, Including Zip Code, and Telephone Numb ...