7. FAIR VALUE DISCLOSURES

 

The Company applies the guidance that is codified under ASC 820-10 related to assets and liabilities recognized or disclosed in the financial statements at fair value on a recurring basis. ASC 820-10 defines fair value, establishes a framework for measuring fair value and expands disclosures about fair value measurements. The provisions of ASC 820-10 only apply to the Company’s investment securities, which are carried at fair value.

 

ASC 820-10 clarifies that fair value is an exit price, representing the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants based on the highest and best use of the asset or liability. As such, fair value is a market-based measurement that is determined based on assumptions that market participants would use in pricing an asset or liability. ASC 820-10 requires valuation techniques to measure fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs. These inputs are prioritized as follows:

 

Fair Value Hierarchy

Inputs to Fair Value Methodology

Level 1

Quoted prices in active markets for identical assets or liabilities

Level 2

Quoted prices for similar assets or liabilities; quoted markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the financial instrument; inputs other than quoted prices that are observable for the asset or liability; or inputs that are derived principally from, or corroborated by, observable market information

Level 3

Pricing models, discounted cash flow methodologies, or similar techniques and at least one significant model assumption is unobservable or when the estimation of fair value requires significant management judgment

 

The Company categorizes a financial instrument in the fair value hierarchy based on the lowest level of input that is significant to its fair value measurement.

 

 

 

As of December 31, 2021

 

 

 

Quoted Market Prices in Active Markets

(Level 1)

 

 

Internal Models with Significant Observable

Market Parameters

(Level 2)

 

 

Internal Models

with Significant Unobservable

Market Parameters

(Level 3)

 

 

Total Fair Value

Reported in

Financial Statements

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mutual Funds

 

$

 

 

$

 

 

$

 

 

$

 

 

 

 

As of December 31, 2020

 

 

 

Quoted Market Prices in Active Markets

(Level 1)

 

 

Internal Models with Significant Observable

Market Parameters

(Level 2)

 

 

Internal Models

with Significant Unobservable

Market Parameters

(Level 3)

 

 

Total Fair Value

Reported in

Financial Statements

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mutual Funds

 

$1,228

 

 

$

 

 

$

 

 

$1,228

 

Historical Timeline

Fiscal YearFiled
2021Mar 31, 2022Showing above
2020Mar 30, 2021
2019Mar 26, 2020
2018Mar 26, 2019
2017Mar 29, 2018
2016Mar 30, 2017
2015Mar 28, 2016

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.