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| related topics |
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| {loan, real, estate} |
| {tax, income, asset} |
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| {competitive, industry, competition} |
| {condition, economic, financial} |
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A decrease in the market value of our Freddie Mac stock investment may reduce our earnings and capital.
We have a significant deferred tax liability on our Freddie Mac stock investment. If it became payable, this tax liability would significantly adversely affect our liquidity, ability to hold Freddie Mac stock and earnings.
If our dividend income exceeds our taxable income for any given year, we will lose potential tax benefits associated with the dividends received deduction.
A decrease in our sources of funds may affect our ability to fund loans. This would reduce our earnings.
Our local economy may affect our future growth possibilities.
Our high market share in the Valley area may limit further growth and lower our profitability.
Our ownership of Freddie Mac stock causes our return on average equity to be low compared to other companies. This could hurt the trading price of our common stock.
A decrease in demand for mortgage, commercial and consumer loans may lower our earnings.
Because we intend to increase our commercial real estate lending, our lending risk will increase and downturns in the real estate market or local economy could adversely impact our earnings.
Because our loans are concentrated in the states of Georgia and Alabama, downturns in the economy or real estate market in our market area will adversely impact our earnings.
Because First Charter, MHC owns a majority of Charter Financial s common stock, First Charter, MHC is able to prevent transactions you might be in favor of, including a sale or merger of Charter Financial.
If we deregister our common stock under the Exchange Act, it could reduce the amount of information about us that is publicly available.
If our common stock does not continue to be traded on the Nasdaq Global Market, the liquidity of our common stock could decrease and it may be difficult for you to sell your stock.
Full 10-K form ▸
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