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| related topics |
| {tax, income, asset} |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {loan, real, estate} |
| {cost, contract, operation} |
| {system, service, information} |
| {personnel, key, retain} |
| {gas, price, oil} |
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The joint and several liability for Consolidated Obligations could 1) require us to provide financial assistance to other FHLBanks and/or 2) increase our debt costs thereby decreasing earnings and the ability to extend Mission Asset Activity to members on favorable terms.
New or changes in legislation, other government actions, or Finance Agency Regulations could increase our operating costs, lower profitability, raise uncertainty among our member stockholders, and reduce Mission Asset Activity and capitalization.
The current economic recession could decrease our Mission Asset Activity and lower our profitability.
A change in investors or rating agencies perception of GSEs may raise our debt costs and/or lower our credit ratings.
Increased competition could decrease the amount of Mission Asset Activity and lower earnings and capitalization.
The concentration of Mission Asset Activity and capital among a small number of members puts us at risk if several large members were to withdraw or sharply reduce their activity with us.
Changes in interest rates and mortgage prepayment speeds could significantly reduce our ability to pay members a competitive dividend from current earnings.
Our spreads on assets to funding costs may narrow because of changes in market conditions and competitive factors, resulting in lower profitability.
We are exposed to credit risk that, if realized, could materially and adversely affect our financial condition and results of operations.
The amount of our retained earnings could become insufficient to preserve a competitive dividend return or protect stockholders capital investment against impairment.
Changes in relevant accounting standards, especially SFAS 133 and SFAS 91, could materially increase earnings volatility and consequently reduce the quality of members capital investment, the amount of Mission Asset Activity and the amount of capital.
Our financial condition and results of operations could suffer if we are unable to hire and retain skilled key personnel.
Failures or interruptions in our internal controls, information systems and other operating technologies could harm our financial condition, results of operations, reputation, and relations with member stockholders.
Full 10-K form ▸
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