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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
________________________________
FORM 10-Q
________________________________
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended June 30, 2024
or 
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For transition period from              to             
Commission File Number 001-33390
________________________________________
TFS FINANCIAL CORPORATION
(Exact Name of Registrant as Specified in its Charter)
________________________________________
United States of America 52-2054948
(State or Other Jurisdiction of
Incorporation or Organization)		 (I.R.S. Employer
Identification No.)
7007 Broadway Avenue
Cleveland,Ohio 44105
(Address of Principal Executive Offices) (Zip Code)
(216) 441-6000
Registrant’s telephone number, including area code:
Not Applicable
(Former name, former address and former fiscal year, if changed since last report)
________________________________________
Securities registered pursuant to Section 12(b) of the Act
Title of each classTrading Symbol(s)Name of each exchange in which registered
Common Stock, par value $0.01 per shareTFSLThe NASDAQ Stock Market, LLC

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  x    No  ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer x  Accelerated filer ¨
Non-accelerated filer o  Smaller Reporting Company ☐
Emerging Growth Company☐
If an emerging company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes ☐      No  x
As of August 6, 2024, there were 280,710,854 shares of the Registrant’s common stock, par value $0.01 per share, outstanding, of which 227,119,132 shares, or 80.9% of the Registrant’s common stock, were held by Third Federal Savings and Loan Association of Cleveland, MHC, the Registrant’s mutual holding company.



TFS Financial Corporation
INDEX
  Page
PART l – FINANCIAL INFORMATION
Item 1.
June 30, 2024 and September 30, 2023
Three and Nine Months Ended June 30, 2024 and 2023
Three and Nine Months Ended June 30, 2024 and 2023
Three and Nine Months Ended June 30, 2024 and 2023
Nine Months Ended June 30, 2024 and 2023
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.

2
GLOSSARY OF TERMS
TFS Financial Corporation provides the following list of acronyms and defined terms as a tool for the reader. The acronyms and defined terms identified below are used throughout the document.
ACL: Allowance for Credit Losses
FHFA: Federal Housing Finance Agency
ACT: Tax Cuts and Jobs Act
FHLB: Federal Home Loan Bank
AOCI: Accumulated Other Comprehensive Income
FICO: Fair Isaac Corporation
ARM: Adjustable Rate Mortgage
FRB-Cleveland: Federal Reserve Bank of Cleveland
ASC: Accounting Standards Codification
Freddie Mac: Federal Home Loan Mortgage Corporation
ASU: Accounting Standards Update
GAAP: Generally Accepted Accounting Principles
Association: Third Federal Savings and Loan
Ginnie Mae: Government National Mortgage Association
Association of Cleveland
GVA: General Valuation Allowances
BOLI: Bank Owned Life Insurance
HPI: Home Price Index
BTFP: Bank Term Funding Program
IRR: Interest Rate Risk
CDs: Certificates of Deposit
IRS: Internal Revenue Service
CECL: Current Expected Credit Losses
IVA: Individual Valuation Allowance
CET1: Common Equity Tier 1
LIBOR: London Interbank Offer Rate
CFPB: Consumer Financial Protection Bureau
LIHTC: Low Income Housing Tax Credit
CLTV: Combined Loan-to-Value
LIP: Loans-in-Process
Company: TFS Financial Corporation and its subsidiaries
LTV: Loan-to-Value
DFA: Dodd-Frank Wall Street Reform and Consumer
MMK: Money Market Account
Protection Act
OCC: Office of the Comptroller of the Currency
DIF: Deposit Insurance Fund
OCI: Other Comprehensive Income
EaR: Earnings at Risk
PCAOB: Public Company Accounting Oversight Board
EPS: Earnings per Share
REMICs: Real Estate Mortgage Investment Conduits
ESOP: Third Federal Employee (Associate) Stock
REO: Real Estate Owned
Ownership Plan
SEC: United States Securities and Exchange Commission
EVE: Economic Value of Equity
SOFR: Secured Overnight Financing Rate
Fannie Mae: Federal National Mortgage Association
TDR: Troubled Debt Restructuring
FASB: Financial Accounting Standards Board
Third Federal Savings, MHC: Third Federal Savings
FDIC: Federal Deposit Insurance Corporation
and Loan Association of Cleveland, MHC


3
Item 1. Financial Statements
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION (unaudited)
(In thousands, except share data)
June 30,
2024		September 30,
2023
ASSETS
Cash and due from banks$29,411 $29,134 
Other interest-earning cash equivalents531,024 437,612 
Cash and cash equivalents560,435 466,746 
Investment securities available for sale (amortized cost $564,548 and $561,715, respectively)
522,967 508,324 
Mortgage loans held for sale ($30,391 and $3,260 measured at fair value, respectively)
30,391 3,260 
Loans held for investment, net:
Mortgage loans15,189,683 15,177,844 
Other loans5,070 4,411 
Deferred loan expenses, net62,738 60,807 
Allowance for credit losses on loans(67,529)(77,315)
Loans, net15,189,962 15,165,747 
Mortgage loan servicing rights, net7,591 7,400 
Federal Home Loan Bank stock, at cost232,083 247,098 
Real estate owned, net431 1,444 
Premises, equipment, and software, net33,665 34,708 
Accrued interest receivable58,615 53,910 
Bank owned life insurance contracts315,710 312,072 
Other assets83,090 117,270 
TOTAL ASSETS$17,034,940 $16,917,979 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits$10,025,977 $9,449,820 
Borrowed funds4,829,365 5,273,637 
Borrowers’ advances for insurance and taxes66,757 124,417 
Principal, interest, and related escrow owed on loans serviced16,867 29,811 
Accrued expenses and other liabilities180,910 112,933 
Total liabilities15,119,876 14,990,618 
Commitments and contingent liabilities
Preferred stock, $0.01 par value, 100,000,000 shares authorized, none issued and outstanding
— — 
Common stock, $0.01 par value, 700,000,000 shares authorized; 332,318,750 shares issued; 280,710,854 and 280,359,173 outstanding at June 30, 2024 and September 30, 2023, respectively
3,323 3,323 
Paid-in capital1,753,074 1,755,027 
Treasury stock, at cost; 51,607,896 and 51,959,577 shares at June 30, 2024 and September 30, 2023, respectively
(772,195)(776,101)
Unallocated ESOP shares(23,834)(27,084)
Retained earnings—substantially restricted912,082 886,984 
Accumulated other comprehensive income42,614 85,212 
Total shareholders’ equity1,915,064 1,927,361 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY$17,034,940 $16,917,979 
See accompanying notes to unaudited interim consolidated financial statements.
4
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (unaudited)
(In thousands, except share and per share data)
 For the Three Months EndedFor the Nine Months Ended
June 30,June 30,
 2024202320242023
INTEREST AND DIVIDEND INCOME:
Loans, including fees$166,268 $144,347 $491,273 $410,847 
Investment securities available for sale4,663 3,712 13,534 10,229 
Other interest and dividend earning assets13,975 8,598 40,751 22,103 
Total interest and dividend income184,906 156,657 545,558 443,179 
INTEREST EXPENSE:
Deposits75,521 48,905 212,532 118,636 
Borrowed funds40,112 38,973 123,283 111,339 
Total interest expense115,633 87,878 335,815 229,975 
NET INTEREST INCOME69,273 68,779 209,743 213,204 
PROVISION (RELEASE) FOR CREDIT LOSSES(500)— (2,500)(2,000)
NET INTEREST INCOME AFTER PROVISION (RELEASE) FOR CREDIT LOSSES
69,773 68,779 212,243 215,204 
NON-INTEREST INCOME:
Fees and service charges, net of amortization2,097 1,919 5,690 5,779 
Net gain on the sale of loans
723 21 1,646 617 
Increase in and death benefits from bank owned life insurance contracts2,254 2,790 7,638 7,151 
Other1,171 1,113 3,308 2,782 
Total non-interest income6,245 5,843 18,282 16,329 
NON-INTEREST EXPENSE:
Salaries and employee benefits26,845 25,332 81,462 84,125 
Marketing services4,867 7,023 14,397 21,407 
Office property, equipment and software7,008 7,246 21,156 20,848 
Federal insurance premium and assessments3,258 3,574 11,049 9,823 
State franchise tax1,244 1,230 3,658 3,706 
Other expenses7,566 8,472 21,541 21,736 
Total non-interest expense50,788 52,877 153,263 161,645 
INCOME BEFORE INCOME TAXES25,230 21,745 77,262 69,888 
INCOME TAX EXPENSE5,277 4,142 15,889 14,184 
NET INCOME$19,953 $17,603 $61,373 $55,704 
Earnings per share—basic and diluted$0.07 $0.06 $0.22 $0.20 
Weighted average shares outstanding
Basic278,291,376 277,472,312 278,104,352 277,384,689 
Diluted279,221,360 278,590,810 279,072,087 278,507,602 
See accompanying notes to unaudited interim consolidated financial statements.
5
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (unaudited)
(In thousands)
For the Three Months EndedFor the Nine Months Ended
June 30,June 30,
2024202320242023
Net income$19,953 $17,603 $61,373 $55,704 
Other comprehensive income (loss), net of tax:
Net change in unrealized gain (loss) on securities available for sale
42 (6,127)9,108 (3,915)
Net change in cash flow hedges49 52,215 (52,439)31,163 
Net change in defined benefit plan obligation105 196 733 588 
Total other comprehensive income (loss)
196 46,284 (42,598)27,836 
Total comprehensive income
$20,149 $63,887 $18,775 $83,540 
See accompanying notes to unaudited interim consolidated financial statements.
6
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY (unaudited)
(In thousands, except share and per share data)
For the Three Months Ended June 30, 2023
 Common
stock		Paid-in
capital		Treasury
stock		Unallocated
common stock
held by ESOP		Retained
earnings		Accumulated other
comprehensive
income (loss)		Total
shareholders’
equity
Balance at March 31, 2023$3,323 $1,752,508 $(775,852)$(29,250)$879,046 $4,701 $1,834,476 
Net income— — — — 17,603 — 17,603 
Other comprehensive income, net of tax
— — — — — 46,284 46,284 
ESOP shares allocated or committed to be released— 232 — 1,083 — — 1,315 
Compensation costs for equity incentive plans— 1,065 — — — — 1,065 
Treasury stock allocated to equity incentive plan— (4)— — — — (4)
Dividends declared to common shareholders ($0.2825 per common share)
— — — — (14,615)— (14,615)
Balance at June 30, 2023$3,323 $1,753,801 $(775,852)$(28,167)$882,034 $50,985 $1,886,124 
For the Three Months Ended June 30, 2024
Common
stock		Paid-in
capital		Treasury
stock		Unallocated
common stock
held by ESOP		Retained
earnings		Accumulated other
comprehensive
income (loss)		Total
shareholders’
equity
Balance at March 31, 2024$3,323 $1,751,960 $(772,195)$(24,917)$906,908 $42,418 $1,907,497 
Net income— — — — 19,953 — 19,953 
Other comprehensive income, net of tax— — — — — 196 196 
ESOP shares allocated or committed to be released— 280 — 1,083 — — 1,363 
Compensation costs for equity incentive plans— 840 — — — — 840 
Treasury stock allocated to equity incentive plan— (6)— — — — (6)
Dividends declared to common shareholders ($0.2825 per common share)
— — — — (14,779)— (14,779)
Balance at June 30, 2024$3,323 $1,753,074 $(772,195)$(23,834)$912,082 $42,614 $1,915,064 

7
For the Nine Months Ended June 30, 2023
 Common
stock		Paid-in
capital		Treasury
stock		Unallocated
common stock
held by ESOP		Retained
earnings		Accumulated other
comprehensive
income (loss)		Total
shareholders’
equity
Balance at September 30, 2022$3,323 $1,751,223 $(771,986)$(31,417)$870,047 $23,149 $1,844,339 
Net income— — — — 55,704 55,704 
Other comprehensive income (loss), net of tax
— — — — — 27,836 27,836 
ESOP shares allocated or committed to be released— 1,064 — 3,250 — — 4,314 
Compensation costs for equity incentive plans— 3,284 — — — — 3,284 
Purchase of treasury stock (361,869 shares)
— — (5,000)— — — (5,000)
Treasury stock allocated to equity incentive plan— (1,770)1,134 — — — (636)
Dividends declared to common shareholders ($0.8475 per common share)
— — — — (43,717)— (43,717)
Balance at June 30, 2023$3,323 $1,753,801 $(775,852)$(28,167)$882,034 $50,985 $1,886,124 
For the Nine Months Ended June 30, 2024
Common
stock		Paid-in
capital		Treasury
stock		Unallocated
common stock
held by ESOP		Retained
earnings		Accumulated other
comprehensive
income (loss)		Total
shareholders’
equity
Balance at September 30, 2023$3,323 $1,755,027 $(776,101)$(27,084)$886,984 $85,212 $1,927,361 
Cumulative effect from changes in accounting principle, net of tax1
— — — — 7,898 — 7,898 
Net income— — — — 61,373 — 61,373 
Other comprehensive income (loss), net of tax
— — — — — (42,598)(42,598)
ESOP shares allocated or committed to be released— 951 — 3,250 — — 4,201 
Compensation costs for equity incentive plans— 2,926 — — — — 2,926 
Treasury stock allocated to equity incentive plan— (5,830)3,906 — — — (1,924)
Dividends declared to common shareholders ($0.8475 per common share)
— — — — (44,173)— (44,173)
Balance at June 30, 2024$3,323 $1,753,074 $(772,195)$(23,834)$912,082 $42,614 $1,915,064 
1Related to ASU 2022-02 adopted October 1, 2023.
See accompanying notes to unaudited interim consolidated financial statements.


8
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (In thousands)
 For the Nine Months Ended June 30,
 20242023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income$61,373 $55,704 
Adjustments to reconcile net income to net cash provided by operating activities:
ESOP and stock-based compensation expense7,127 7,598 
Depreciation and amortization14,075 13,387 
Deferred income taxes (200)(174)
Provision (release) for credit losses(2,500)(2,000)
Net gain on the sale of loans(1,646)(617)
Other net (gains) losses276 (225)
Proceeds from sales of loans held for sale67,711 34,819 
Loans originated and principal repayments on loans for sale(88,404)(33,940)
Increase in bank owned life insurance contracts(7,638)(6,520)
Net decrease (increase) in interest receivable and other assets4,212 (23,702)
Net increase in accrued expenses and other liabilities92,894 32,566 
Net cash provided by operating activities147,280 76,896 
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated(2,113,358)(2,515,388)
Principal repayments on loans1,980,087 1,868,345 
Proceeds from sales, principal repayments and maturities of:
Securities available for sale118,313 62,563 
Proceeds from sale of:
Loans106,561 23,018 
Real estate owned983 319 
FHLB stock49,530 — 
Purchases of:
FHLB stock(34,515)(34,808)
Securities available for sale(121,092)(124,190)
Premises and equipment(2,349)(4,048)
Other3,001 88 
Net cash used in investing activities(12,839)(724,101)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits564,596 145,140 
Net decrease in borrowers' advances for insurance and taxes(57,660)(42,891)
Net decrease in principal and interest owed on loans serviced(12,944)(13,403)
Net increase (decrease) in short-term borrowed funds(742,000)518,050 
Net increase (decrease) in Fed Funds purchased— (225,000)
Proceeds from long-term borrowed funds575,000 350,000 
Repayment of long-term borrowed funds(276,766)(2,232)
Cash collateral/settlements received from (provided to) derivative counterparties(44,851)33,561 
Acquisition or net settlement of treasury shares
(1,924)(5,636)
Dividends paid to common shareholders(44,203)(43,733)
Net cash (used in) provided by financing activities(40,752)713,856 
NET INCREASE IN CASH AND CASH EQUIVALENTS93,689 66,651 
CASH AND CASH EQUIVALENTS—Beginning of period466,746 369,564 
CASH AND CASH EQUIVALENTS—End of period$560,435 $436,215 
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash paid for interest on deposits$213,378 $116,252 
Cash paid for interest on borrowed funds178,708 129,871 
Cash paid (received) for interest on interest rate swaps(67,081)(29,356)
Cash paid for income taxes13,724 17,444 
SUPPLEMENTAL SCHEDULES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfer of loans to real estate owned247 589 
Transfer of loans from held for investment to held for sale112,917 22,899 
Transfer of loans from held for sale to held for investment771 8,433 
Treasury stock issued for stock benefit plans5,831 1,769 
See accompanying notes to unaudited interim consolidated financial statements.
9
TFS FINANCIAL CORPORATION AND SUBSIDIARIES
NOTES TO UNAUDITED INTERIM CONSOLIDATED FINANCIAL STATEMENTS
(Dollars in thousands unless otherwise indicated)
1.BASIS OF PRESENTATION
TFS Financial Corporation, a federally chartered stock holding company, conducts its principal activities through its wholly owned subsidiaries. The principal line of business of the Company is retail consumer banking, including mortgage lending, deposit gathering and, to a much lesser extent, other financial services. As of June 30, 2024, approximately 80.9% of the Company’s outstanding shares were owned by the federally chartered mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC. The thrift subsidiary of TFS Financial Corporation is Third Federal Savings and Loan Association of Cleveland.
The accounting and financial reporting policies followed by the Company conform in all material respects to U.S. GAAP and to general practices in the financial services industry. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for credit losses, the valuation of deferred tax assets, and the determination of pension obligations are particularly subject to change.
The unaudited interim consolidated financial statements reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial condition of the Company at June 30, 2024, and its consolidated results of operations and cash flows for the periods presented. Such adjustments are the only adjustments reflected in the unaudited interim financial statements.
In accordance with SEC Regulation S-X for interim financial information, these financial statements do not include certain information and footnote disclosures required for complete audited financial statements. The Company’s Annual Report on Form 10-K for the fiscal year ended September 30, 2023, contains audited consolidated financial statements and related notes, which should be read in conjunction with the accompanying interim consolidated financial statements. The results of operations for the interim periods disclosed herein are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2024, or for any other period.
Effective October 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326), eliminating the accounting guidance for TDR by creditors in Subtopic 310-40. Refer to Note 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES and Note 14. RECENT ACCOUNTING PRONOUNCEMENTS for additional details related to the adoption.
Per ASC 606, Revenue from Contracts with Customers, an entity is required to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration the entity expects to receive in exchange for those goods or services. Three of the Company's revenue streams within scope of Topic 606 are the sales of REO, interchange income, and deposit account and other transaction-based service fee income. Those streams are not material to the Company's consolidated financial statements and therefore quantitative information regarding these streams is not disclosed.

2.EARNINGS PER SHARE
Basic earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period. Diluted earnings per share is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares. For purposes of computing earnings per share amounts, outstanding shares include shares held by the public, shares held by the ESOP that have been allocated to participants or committed to be released for allocation to participants, and the 227,119,132 shares held by Third Federal Savings, MHC. For purposes of computing dilutive earnings per share, stock options and restricted and performance share units with a dilutive impact are added to the outstanding shares used in the basic earnings per share calculation. Unvested shares awarded pursuant to the Company's restricted stock plans are treated as participating securities in the computation of EPS pursuant to the two-class method as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Performance share units, determined to be contingently issuable and not participating securities, are excluded from the calculation of basic EPS. At June 30, 2024 and 2023, the ESOP held 2,383,366 and 2,816,706 shares, respectively, that were neither allocated to participants nor committed to be released to participants.
10

The following is a summary of the Company's earnings per share calculations.
 For the Three Months Ended June 30,
 20242023
 IncomeSharesPer share
amount		IncomeSharesPer share
amount
 (Dollars in thousands, except per share data)
Net income$19,953 $17,603 
Less: income allocated to restricted stock units343 388 
Basic earnings per share:
Income available to common shareholders19,610 278,291,376 $0.07 17,215 277,472,312 $0.06 
Diluted earnings per share:
Effect of dilutive potential common shares929,984 1,118,498 
Income available to common shareholders$19,610 279,221,360 $0.07 $17,215 278,590,810 $0.06 
 For the Nine Months Ended June 30,
 20242023
 IncomeSharesPer share
amount		IncomeSharesPer share
amount
 (Dollars in thousands, except per share data)
Net income$61,373 $55,704 
Less: income allocated to restricted stock units1,090 1,164 
Basic earnings per share:
Income available to common shareholders60,283 278,104,352 $0.22 54,540 277,384,689 $0.20 
Diluted earnings per share:
Effect of dilutive potential common shares967,735 1,122,913 
Income available to common shareholders$60,283 279,072,087 $0.22 $54,540 278,507,602 $0.20 

The following is a summary of outstanding stock options and restricted and performance share units that are excluded from the computation of diluted earnings per share because their inclusion would be anti-dilutive.
 For the Three Months Ended June 30,For the Nine Months Ended June 30,
 2024202320242023
Options to purchase shares2,231,475 1,995,275 2,231,475 1,995,275 
Restricted and performance stock units30,000 107,669 30,000 57,669 

3.INVESTMENT SECURITIES
Investments available for sale are summarized in the tables below.
 June 30, 2024
 Amortized
Cost		Gross
Unrealized		Fair
Value
 GainsLosses
REMICs$487,914 $120 $(41,372)$446,662 
Fannie Mae certificates2,855 46 (6)2,895 
Freddie Mac certificates1,139 — (54)1,085 
U.S. government and agency obligations72,640 — (315)72,325 
Total$564,548 $166 $(41,747)$522,967 

11
 September 30, 2023
 Amortized
Cost		Gross
Unrealized		Fair
Value
 GainsLosses
REMICs