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related topics |
{capital, credit, financial} |
{tax, income, asset} |
{debt, indebtedness, cash} |
{condition, economic, financial} |
{loan, real, estate} |
{financial, litigation, operation} |
{investment, property, distribution} |
{system, service, information} |
{control, financial, internal} |
{operation, international, foreign} |
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Our limitations on the payment of dividends and restrictions on Class B stock repurchases, together with other capital management requirements, have limited, and may continue to limit, member demand for advances and may limit our ability to attract new members.
The loss of large members with significant amounts of advance business or the loss of substantial advance business from those members could have a negative effect on our results of operations.
Our use of differential pricing to make advances more attractive to members may reduce our net income.
We face competition for advances, which could adversely affect our net income.
Although our net income increased and our net unrealized market value loss improved in 2006 compared to recent years, the consequences of past financial management decisions will continue to depress our net income and negatively affect our net unrealized market value in 2007 and beyond.
Fluctuations in interest rates could adversely affect our net income if we do not manage our interest-rate risk effectively.
We rely heavily upon effective information systems and other technology, and failures in maintenance or other interruptions in these systems could adversely affect our business.
We may not be able to manage expenses effectively, which could adversely affect our profitability and our ability to achieve retained earnings goals and pay dividends.
Exposure to credit risk could have a negative impact on our financial condition and results of operations.
Our reputation could be negatively impacted if a member pledging subprime mortgage loans as collateral to secure advances was found to be in violation of anti-predatory lending laws.
FHLBanks and FHLBank System Risks that Affect the Seattle Bank
Our access to funding depends upon demand for the FHLBank System s debt issuances.
Downgrades in our credit agency ratings or those of the FHLBank System or of other FHLBanks could adversely impact the marketability of our consolidated obligations, products, or services.
The Seattle Bank and the other FHLBanks are governed by laws and regulations relating to the FHLBank System, changes to which could negatively impact our business.
An agreement with other FHLBanks could make us liable for principal and interest payment obligations of other FHLBanks, increasing our short-term borrowing costs.
The Finance Board could make us liable for all or a portion of the consolidated obligations of any or all of the FHLBanks.
We could be negatively affected by local and national business and economic conditions, as well other events that are outside of our control.
Full 10-K form ▸
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