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| related topics |
| {loan, real, estate} |
| {tax, income, asset} |
| {loss, insurance, financial} |
| {product, market, service} |
| {competitive, industry, competition} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
| {condition, economic, financial} |
|
|
The Company s FDIC premiums have materially increased and could continue to do so because market developments have significantly depleted the insurance fund of the FDIC and reduced the ratio of reserves to insured deposits. Additional increases could materially affect the Company s earnings.
The impact of further contemplated legislative and regulatory changes cannot be predicted at this time.
The Company has strong competition within its market area which may limit the Company s growth and profitability
The success of the Company is dependent on retaining certain key personnel or attracting and retaining additional, qualified personnel
The Company continues to encounter technological change, and may have fewer resources than many of its larger competitors to continue to invest in technological improvements.
The Company relies on dividends from the Bank for substantially all of its revenue
Market fluctuations and changes in interest rates have had, and may continue to have, significant and negative effects on the Company s investment portfolio and stockholders equity.
Management may assess a decline in fair value as being temporary when in fact it is other-than-temporary and, consequently, not charge the impairment to the Company s earnings, which could have a significant impact on its future operating results.
If the Company s investment in the Federal Home Loan Bank of Boston becomes impaired, its earnings and stockholders equity could decrease
When the Company becomes subject to the full SEC requirements under Section 404 of the Sarbanes-Oxley Act of 2002, it will likely incur significant costs in connection with providing outside auditors attestation reports on management s internal control assertions.
Full 10-K form ▸
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