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| related topics |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {stock, price, share} |
| {loss, insurance, financial} |
| {acquisition, growth, future} |
| {provision, law, control} |
| {tax, income, asset} |
| {system, service, information} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
|
|
The financial markets in the United States and elsewhere have been experiencing extreme and unprecedented volatility and disruption. We are exposed to significant financial and capital markets risk, including changes in interest rates, credit spreads and equity prices, which may have a material adverse effect on our results of operations, financial condition and liquidity.
Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
We are subject to credit and collateral risk.
Various factors may cause our allowance for loan losses to increase.
If our businesses do not perform well, we may be required to recognize an impairment of our goodwill or intangible assets or to establish a valuation allowance against the deferred income tax asset, which could have a material adverse effect on our results of operations and financial condition.
We may be adversely affected by the soundness of other financial institutions.
Our profitability depends significantly on economic conditions in the geographic regions in which we operate.
We operate in a highly competitive industry and market areas.
We are subject to extensive government regulation and supervision.
Our controls and procedures may fail or be circumvented.
Recent and possible acquisitions may disrupt our business and dilute shareholder value.
We may not be able to attract and retain skilled people.
Our information systems may experience an interruption or breach in security.
Our share price can be volatile.
An investment in our common shares is not an insured deposit.
Our certificate of incorporation authorizes the issuance of preferred stock by our board of directors.
Full 10-K form ▸
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