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| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {condition, economic, financial} |
| {regulation, change, law} |
|
|
Turmoil in the financial markets could have an adverse effect on our financial position or results of operations.
The recent economic recession could result in increases in our level of nonperforming loans and/or reduce demand for our products and services, which would lead to lower revenue, higher loan losses and lower earnings.
Changes in interest rates could reduce our net interest income and earnings.
Our emphasis on residential mortgage loans exposes us to a risk of loss due to a decline in property values.
Commercial lending may expose us to increased lending risks.
The unseasoned nature of our commercial loan portfolio may expose us to increased lending risks.
If we conclude that the decline in value of any of our investment securities is other than temporary, we are required to write down the value of that security through a charge to earnings.
Higher loan losses could require us to increase our allowance for loan losses through a charge to earnings.
We do not control the premiums on which our insurance commissions are based, and volatility or declines in premiums may negatively impact the revenues of our insurance agency.
Contingent commissions paid by insurance companies are less predictable than standard commissions, and any decrease in the amount of contingent commissions received by Exchange Underwriters could adversely affect its results of operations.
Our market area limits our growth potential.
Our branching strategy may not be successful.
We own stock in the Federal Home Loan Bank of Pittsburgh, which is experiencing financial difficulties.
Our purchase of out-of-state loans may expose us to increased lending risks.
We are dependent upon the services of key executives.
Increased and/or special FDIC assessments will hurt our earnings.
Strong competition within our market area could reduce our profits and slow growth.
We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
Proposed regulatory reform may have a material impact on our operations.
Full 10-K form ▸
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