NOTE 11 - FAIR VALUE

Financial instruments measured at fair value on a recurring basis and their location within the accompanying consolidated financial statements are as follows:

 

December 31, 2025

 

 

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

 

Total

 

 

Location on Balance Sheet

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

Company-owned life insurance policies

$

 

 

$

26,373

 

 

$

 

 

$

26,373

 

 

Other assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest swaps - current portion

$

 

 

$

615

 

 

$

 

 

$

615

 

 

Accrued expenses and other current liabilities

Interest swaps - long-term portion

 

 

 

 

2,060

 

 

 

 

 

 

2,060

 

 

Other long-term liabilities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2024

 

 

 

 

Level 1

 

 

Level 2

 

 

Level 3

 

 

Total

 

 

Location on Balance Sheet

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest rate swaps - current portion

$

 

 

$

825

 

 

$

 

 

$

825

 

 

Prepaid expenses and other assets

Interest rate swaps - long-term portion

 

 

 

 

129

 

 

 

 

 

 

129

 

 

Other assets

Company-owned life insurance policies

 

 

 

 

23,174

 

 

 

 

 

 

23,174

 

 

Other assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest swaps - current portion

$

 

 

$

15

 

 

$

 

 

$

15

 

 

Accrued expenses and other current liabilities

Interest swaps - long-term portion

 

 

 

 

153

 

 

 

 

 

 

153

 

 

Other long-term liabilities

Financial and non-financial instruments measured or re-measured at fair value on a non-recurring basis after initial measurement include certain impaired right-of-use assets from operating leases (see “Note 19 - Exit Activities”) using the discounted cash flows method with Level 3 inputs as of the impairment dates.

About Fair Value Disclosures

Fair value disclosures classify all assets and liabilities measured at fair value into a three-level hierarchy: Level 1 (quoted market prices), Level 2 (observable inputs like yield curves), and Level 3 (unobservable inputs requiring management estimates). The proportion of Level 3 assets directly reflects how much of the balance sheet depends on internal models rather than market evidence.

Key signals: a growing Level 3 balance relative to total fair-value assets increases valuation uncertainty and earnings volatility risk. Watch for transfers between levels — assets moving from Level 2 to Level 3 often signal deteriorating market liquidity. Unrealized gains and losses on Level 3 positions flow through earnings or other comprehensive income, so large swings deserve scrutiny. For financial institutions, examine the sensitivity disclosures that show how Level 3 valuations change under alternative assumptions. Compare the fair value of debt against its carrying amount to gauge hidden leverage.