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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {regulation, government, change} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {stock, price, share} |
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IF WE DO NOT RAISE ADDITIONAL CAPITAL, WE WILL NOT BE IN COMPLIANCE WITH THE CAPITAL REQUIREMENTS OF THE BANK'S CEASE AND DESIST ORDER, WHICH COULD HAVE A MATERIAL ADVERSE EFFECT UPON US.
DIFFICULT MARKET CONDITIONS HAVE ADVERSELY AFFECTED OUR INDUSTRY.
CURRENT LEVELS OF MARKET VOLATILITY ARE UNPRECEDENTED.
OUR INCREASED EMPHASIS ON COMMERCIAL AND CONSTRUCTION LENDING MAY EXPOSE US TO INCREASED LENDING RISKS.
STRONG COMPETITION WITHIN OUR MARKET AREA COULD HURT OUR ABILITY TO COMPETE AND COULD SLOW OUR GROWTH.
AN INCREASE IN LOAN PREPAYMENTS AND ON PREPAYMENT OF LOANS UNDERLYING MORTGAGE-BACKED SECURITIES AND SMALL BUSINESS ADMINISTRATION CERTIFICATES MAY ADVERSELY AFFECT OUR PROFITABILITY.
A DOWNTURN IN THE WASHINGTON D.C. METROPOLITAN AREA ECONOMY, A DECLINE IN REAL ESTATE VALUES OR DISRUPTIONS IN THE SECONDARY MORTGAGE MARKETS COULD REDUCE OUR EARNINGS AND FINANCIAL CONDITION.
WE OPERATE IN A HIGHLY REGULATED ENVIRONMENT AND WE MAY BE ADVERSELY AFFECTED BY CHANGES IN LAWS AND REGULATIONS.
THERE CAN BE NO ASSURANCE THAT RECENTLY ENACTED LEGISLATION AND OTHER MEASURES UNDERTAKEN BY THE TREASURY, THE FEDERAL RESERVE AND OTHER GOVERNMENTAL AGENCIES WILL HELP STABILIZE THE U.S. FINANCIAL SYSTEM, IMPROVE THE HOUSING MARKET OR BE OF SPECIFIC BENEFIT TO THE BANK.
A BREACH OF INFORMATION SECURITY COULD NEGATIVELY AFFECT OUR EARNINGS.
WE ARE SUBJECT TO HEIGHTENED REGULATORY SCRUTINY WITH RESPECT TO BANK SECRECY AND ANTI-MONEY LAUNDERING STATUTES AND REGULATIONS.
FAILURE TO PAY INTEREST ON OUR DEBT MAY ADVERSELY IMPACT US.
Full 10-K form ▸
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