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| related topics |
| {provision, law, control} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {condition, economic, financial} |
| {stock, price, share} |
| {stock, price, operating} |
| {cost, operation, labor} |
| {competitive, industry, competition} |
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Unprecedented disruption and significantly increased risk in the financial markets
Future changes in interest rates may reduce the company s profits which could have a negative impact on the value of the company s stock.
Continued or further declines in the value of certain investment securities could require write-downs, which would reduce our earnings.
If dividends paid on our investment in the Federal Home Loan Bank of Boston continue to be suspended, or if our investment is classified as other-than-temporarily impaired or as permanently impaired, our earnings and/or stockholders equity could decrease.
The Company is subject to lending risk and could incur losses in our loan portfolio despite our underwriting practices.
If the Company s allowance for loan losses is not sufficient to cover actual loan losses, the Company s earnings could decrease.
The Company s stock value may be negatively affected by federal regulations restricting takeovers and the Company s mutual holding company structure.
Federal and Connecticut regulations restricting takeovers:
The mutual holding company structure may impede takeovers:
Persons who purchase the Company s stock will own a minority of Rockville Financial, Inc. s common stock and will not be able to exercise voting control over most matters put to a vote of stockholders.
When the Company declares dividends on the Company s common stock, Rockville Financial MHC, Inc. will be prohibited from waiving the receipt of dividends by current federal reserve board policy.
The Company has opened new branches and expect to open additional new branches which nay incur losses during their initial years of operation as they generate new deposit and loan portfolios.
Further implementation of the Company s stock benefit plans will increase company costs, which sill reduce the Company s income.
Strong competition within the Company s market area may limit the Company s growth and profitability.
Because the Company intends to continue to increase the Company s commercial real estate and commercial business loan originations, the Company lending risk will increase, and downturns in the real estate market or local economy could adversely affect the Company s earnings.
Full 10-K form ▸
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