|
| related topics |
| {loan, real, estate} |
| {tax, income, asset} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {debt, indebtedness, cash} |
| {regulation, change, law} |
| {regulation, government, change} |
| {system, service, information} |
| {acquisition, growth, future} |
| {capital, credit, financial} |
|
|
Credit Risk - Our earnings depend to a large extent upon the ability of our borrowers to repay their loans and our inability to manage credit risk would negatively affect our business.
Real Estate Collateral - Approximately 73% of our loan portfolio is secured by real estate, the majority of which is commercial real estate and continued market deterioration would lead to losses.
Interest Rate Risk - Our earnings depend upon the spread between the interest rate we receive on loans and securities and the interest rates we pay on deposits and borrowings. Changes in interest rates could adversely impact our net interest margin, net interest income and net income.
Regulatory Risk - Our business is heavily regulated and the creation of additional regulations may negatively affect our operations.
Liquidity Risk - Market conditions or regulatory constraints could restrict our access to funds necessary to meet liquidity demands.
We rely on the Federal Home Loan Bank ( FHLB ) of Seattle as a source of liquidity.
Competition - The financial services industry is highly competitive.
Dividend Restrictions - Our ability to pay dividends, repurchase shares or repay indebtedness depends primarily upon the results of operations of PremierWest Bank.
Management Risk - We may not effectively manage our growth or future acquisitions which could adversely affect the quality of our operations and our costs.
Industry Conditions - Difficult market conditions have adversely affected our industry.
A significant decline in the market value of our common stock could result in an impairment of goodwill.
Technology Risk - We rely on technology to deliver products and serves and interact with our customers.
Accounting Standards - Changes in accounting standards may impact how we report our financial condition and results of operations.
Valuation Risk - The value of securities in our investment securities portfolio may be negatively affected by continued disruptions in securities markets.
Geographic Concentration - Our operations are geographically concentrated in southern Oregon and northern California and our business is sensitive to economic factors that relate to regional business conditions.
Full 10-K form ▸
|
|
| related documents |
| 1030469--3/28/2007--ORIENTAL_FINANCIAL_GROUP_INC |
| 1268039--3/15/2007--ORIGEN_FINANCIAL_INC |
| 1270985--9/13/2007--K-FED_BANCORP |
| 745308--2/28/2007--ST_JOE_CO |
| 1137587--3/31/2006--KAIROS_HOLDINGS_INC |
| 1354772--3/30/2007--NORTHEAST_COMMUNITY_BANCORP_INC |
| 910073--3/2/2009--NEW_YORK_COMMUNITY_BANCORP_INC |
| 924901--2/22/2007--MACK_CALI_REALTY_CORP |
| 1067063--2/22/2007--MACK_CALI_REALTY_L_P |
| 826154--3/15/2010--ORRSTOWN_FINANCIAL_SERVICES_INC |
| 1156826--3/9/2006--ARCHSTONE_SMITH_TRUST |
| 745308--3/14/2006--ST_JOE_CO |
| 356708--3/16/2007--FIRST_REGIONAL_BANCORP |
| 1268039--3/16/2006--ORIGEN_FINANCIAL_INC |
| 356809--4/17/2009--ABIGAIL_ADAMS_NATIONAL_BANCORP_INC |
| 921768--3/17/2008--BANKATLANTIC_BANCORP_INC |
| 1037390--2/10/2010--GRIFFIN_LAND_&_NURSERIES_INC |
| 356809--3/31/2008--ABIGAIL_ADAMS_NATIONAL_BANCORP_INC |
| 356708--3/16/2006--FIRST_REGIONAL_BANCORP |
| 1004969--6/14/2006--PFF_BANCORP_INC |
| 891106--2/28/2008--STERLING_FINANCIAL_CORP_/WA/ |
| 1059142--3/6/2007--AMERICA_FIRST_TAX_EXEMPT_INVESTORS_LP |
| 1141688--3/27/2009--LANDMARK_BANCORP_INC |
| 1004036--3/1/2010--TANGER_PROPERTIES_LTD_PARTNERSHIP_/NC/ |
| 861955--11/7/2007--CIB_MARINE_BANCSHARES_INC |
| 1058690--3/12/2010--WASHINGTON_BANKING_CO |
| 891106--2/28/2007--STERLING_FINANCIAL_CORP_/WA/ |
| 1253317--3/13/2008--OLD_LINE_BANCSHARES_INC |
| 1141688--3/14/2008--LANDMARK_BANCORP_INC |
| 1141688--3/29/2007--LANDMARK_BANCORP_INC |
|