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| related topics |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {regulation, change, law} |
| {control, financial, internal} |
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The prolonged negative effect of the recession and weak economic recovery will adversely affect our financial performance
Carver s results of operations are affected by economic conditions in the New York metropolitan area.
Our business may be adversely affected by current conditions in the financial markets, the real estate market and economic conditions generally
The soundness of other financial institutions could negatively affect us.
The allowance for loan losses could be insufficient to cover Carver s actual loan losses.
Carver s concentration in multifamily loans, commercial real estate loans, and construction loans could, in a deteriorating economic climate, expose the Company to increased lending risks and related loan losses
Changes in interest rate environment may negatively affect Carver s net income, mortgage loan originations and valuation of available-for-sale securities
Strong competition within the Bank s market areas could adversely affect profits and slow growth
The Bank operates in a highly regulated industry, which limits the manner and scope of business activities.
Controls and procedures may fail or be circumvented, which may result in a material adverse effect on the Company s business
Changes in laws, government regulation and monetary policy may have a material effect on results of operations
Future Federal Deposit Insurance Corporation assessments will hurt our earnings
The Company is subject to certain risks with respect to liquidity
The Bank s ability to pay dividends or lend funds to the Holding Company is subject to regulatory limitations which may prevent the Holding Company from making future dividend payments or principal and interest payments on its debt obligation
Full 10-K form ▸
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