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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {product, liability, claim} |
| {control, financial, internal} |
| {regulation, government, change} |
| {stock, price, share} |
| {stock, price, operating} |
|
|
Changes in interest rates may have an adverse effect on the Company s profitability
Changes in economic conditions and the composition of the Company s loan portfolio could lead to an increase in the allowance for loan losses, which could decrease earnings
Declines in value may adversely impact the investment portfolio
Recent negative developments in the financial services industry and U.S. and global credit markets may adversely impact our results of operations and our stock price
Current levels of market volatility are unprecedented.
The soundness of other financial institutions could adversely affect us.
Changes in economic conditions and related uncertainties may have an adverse affect on the Company s profitability
Our results of operations are significantly affected by the ability of our borrowers to repay their loans
The supervision and regulation to which the Company is subject can be a competitive disadvantage
The competition the Company faces is increasing and may reduce our customer base and negatively impact the Company s results of operations
Our deposit insurance premium could be substantially higher in the future which would have an adverse effect on our future earnings
Concern of customers over deposit insurance may cause a decrease in deposits
The actions of the U.S. Government for the purpose of stabilizing the financial markets, or market response to those actions, may not achieve the intended effect, and our results of operations could be adversely affected
Fluctuations in the stock market could negatively affect the value of the Company s common stock
If the Company fails to maintain an effective system of internal controls, it may not be able to accurately report its financial results or prevent fraud. As a result, current and potential shareholders could lose confidence in the Company s financial reporting, which could harm its business and the trading price of its common stock
Full 10-K form ▸
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