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| related topics |
| {acquisition, growth, future} |
| {loan, real, estate} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {provision, law, control} |
| {regulation, government, change} |
|
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Our emphasis on commercial lending may expose us to increased lending risks, which could hurt our profits.
Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio.
A downturn in the local economy or a decline in real estate
values could hurt our profits.
Our geographic expansion and growth, if not successful, could negatively impact earnings.
Competition from financial institutions and other financial service providers may adversely affect our growth and profitability.
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
Fluctuations in interest rates could reduce our profitability and affect the value of our assets.
Our investment portfolio includes securities that are sensitive to interest rates and variations in interest rates may adversely impact our profitability.
Our wholesale funding sources may prove insufficient to replace deposits at maturity and support our future growth.
Our ability to service our debt, pay dividends and otherwise pay our obligations as they come due is substantially dependent on capital distributions from Berkshire Bank, and these distributions are subject to regulatory limits and other restrictions.
We operate in a highly regulated environment and may be adversely affected by changes in laws
We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.
Provisions of our certificate of incorporation, bylaws and Delaware law, as well as state and federal banking regulations, could delay or prevent a takeover of us by a third party.
Our acquisitions have resulted in significant goodwill, which if it becomes impaired would be required to be written down, which would negatively impact earnings.
The trading history of our common stock is characterized by low trading volume. The value of your investment may be subject to sudden decreases due to the volatility of the price of our common stock.
Full 10-K form ▸
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