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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {system, service, information} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {stock, price, operating} |
|
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If we cannot effectively manage the impact of the volatility of interest rates, our earnings could be adversely affected.
Our allowance for possible loan losses may be insufficient.
Our secondary market reserve for losses on repurchased loans could be insufficient.
The value of our mortgage servicing rights varies with changes in interest rates.
Our home lending profitability could be significantly reduced if we are not able to resell mortgages.
There are increased risks involved with commercial real estate and commercial business lending activities.
We have substantial risks in connection with securitizations and loan sales.
Our ability to borrow funds and raise capital could be limited, which could adversely affect our earnings.
Certain changes in the economy could effect our financial, funding, and liquidity risks.
We may not be able to replace key members of senior management or attract and retain qualified relationship managers in the future.
The network and computer systems on which we depend could fail or experience a security breach.
Our business is highly regulated.
Our business has volatile earnings because it operates based on a multi-year cycle.
Geographic concentrations pose a higher risk of loan losses.
A large percentage of our loans are collateralized by real estate, and an adverse change in the real estate market may result in losses and adversely affect our portfolio.
A significant part of our business strategy involves adding new branch locations, and our failure to grow may adversely affect our business, prospects, results of operations and financial condition.
Full 10-K form ▸
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