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| related topics |
| {loan, real, estate} |
| {product, market, service} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {financial, litigation, operation} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {system, service, information} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {cost, regulation, environmental} |
|
|
Future loan losses may exceed our allowance for loan losses.
Rapidly changing interest rate environments could reduce our net interest margin, net interest income, fee income and net income.
Recent disruptions in the credit markets and expected weakness in real estate values in the markets in which we make loans may adversely affect our operations.
Slower than anticipated growth in new branches and new product and service offerings could result in reduced net income.
The financial services industry is very competitive.
Decreased volumes and lower gains on sales of mortgage loans sold could reduce net income.
Significant legal or regulatory actions could subject us to uninsured liabilities and associated reputational risk.
The Company is subject to extensive regulation.
Any regulatory response to the sub-prime mortgage crisis could have a negative effect on the way we conduct our business.
Inability to hire or retain certain key professionals, management and staff could reduce our revenues and net income.
Our information systems may experience an interruption or breach in security.
The Company s controls and procedures may fail or be circumvented.
Full 10-K form ▸
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