|
| related topics |
| {loan, real, estate} |
| {financial, litigation, operation} |
| {regulation, change, law} |
| {condition, economic, financial} |
| {tax, income, asset} |
| {system, service, information} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {acquisition, growth, future} |
| {capital, credit, financial} |
|
|
If we cannot effectively manage the volatility of interest rates, our earnings could be adversely affected.
Our home lending profitability will be significantly reduced if we are not able to resell mortgages.
The potential for negative amortization in our option adjustable rate mortgage product could have an adverse effect on our credit.
We have substantial credit risk in connection with qualifying special purpose entities and loan sales.
Rising unemployment or a decrease in housing prices could adversely affect our credit performance.
Our ability to borrow funds and raise capital could be limited, which could adversely affect our earnings.
We face competition from banking and nonbanking companies.
Changes in the regulation of housing government-sponsored enterprises could adversely affect our business.
Negative public opinion could damage our reputation and adversely affect our earnings.
Our accounting policies and methods are fundamental to how we report our financial condition and results of operations, and they may require management to make estimates about matters that are inherently uncertain.
We depend on the accuracy and completeness of information about customers and counterparties.
We may not be able to replace key members of senior management or attract and retain qualified relationship managers in the future.
Our internal control systems could fail to detect certain events.
The network and computer systems on which we depend could fail or experience a security breach.
Full 10-K form ▸
|
|
| related documents |
| 25191--3/1/2007--COUNTRYWIDE_FINANCIAL_CORP |
| 1000232--3/31/2009--KENTUCKY_BANCSHARES_INC_/KY/ |
| 1000232--3/31/2010--KENTUCKY_BANCSHARES_INC_/KY/ |
| 717538--3/14/2006--ARROW_FINANCIAL_CORP |
| 717538--3/14/2007--ARROW_FINANCIAL_CORP |
| 201461--3/1/2007--CITY_NATIONAL_CORP |
| 25191--3/1/2006--COUNTRYWIDE_FINANCIAL_CORP |
| 740971--3/16/2006--OLD_POINT_FINANCIAL_CORP |
| 1093728--3/14/2008--PACIFIC_FINANCIAL_CORP |
| 706874--3/16/2006--PALMETTO_BANCSHARES_INC |
| 1004740--4/2/2008--CAPITAL_CORP_OF_THE_WEST |
| 1010470--9/12/2007--PROVIDENT_FINANCIAL_HOLDINGS_INC |
| 1069157--3/1/2007--EAST_WEST_BANCORP_INC |
| 841942--3/30/2006--NTS_MORTGAGE_INCOME_FUND |
| 930405--3/30/2007--LSB_FINANCIAL_CORP |
| 1006830--9/14/2006--CONSUMERS_BANCORP_INC_/OH/ |
| 841942--3/28/2007--NTS_MORTGAGE_INCOME_FUND |
| 46195--2/25/2008--BANK_OF_HAWAII_CORP |
| 102212--3/6/2009--UNIVEST_CORP_OF_PENNSYLVANIA |
| 717538--3/7/2008--ARROW_FINANCIAL_CORP |
| 840889--3/20/2008--DORAL_FINANCIAL_CORP |
| 707605--3/6/2008--AMERISERV_FINANCIAL_INC_/PA/ |
| 841942--3/28/2008--NTS_MORTGAGE_INCOME_FUND |
| 1325814--3/14/2008--Federal_Home_Loan_Bank_of_Des_Moines |
| 315709--3/1/2007--INTERNATIONAL_BANCSHARES_CORP |
| 315709--2/29/2008--INTERNATIONAL_BANCSHARES_CORP |
| 818969--2/29/2008--PROVIDENT_BANKSHARES_CORP |
| 18349--3/1/2007--SYNOVUS_FINANCIAL_CORP |
| 921183--3/2/2007--HMN_FINANCIAL_INC |
| 1389772--3/24/2009--FIRST_PRIORITY_FINANCIAL_CORP. |
|