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| related topics |
| {loan, real, estate} |
| {provision, law, control} |
| {stock, price, share} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {regulation, government, change} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {cost, contract, operation} |
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Our relatively high level of nonperforming assets and classified assets expose us to increased lending risks. Further, our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio.
Our recent emphasis on multi-family and commercial real estate and commercial lending may expose us to increased lending risks.
Our business strategy, which includes asset growth, was only recently initiated and has not yet had the time to be proven successful. Further, if we fail to grow or fail to manage our growth effectively, our financial condition and results of operations could be negatively affected.
Our decrease in deposits may cause us to rely more heavily on more expensive wholesale funding sources, which would increase our expenses and adversely affect our operating margins and profitability.
Rising interest rates may reduce our earnings and asset value.
If we do not achieve profitability on our new branches and loan production offices, the new offices may reduce our earnings.
We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
A downturn in the local economy or a decline in real estate values could reduce our profits.
Strong competition within our market areas could reduce our profits.
Our low return on equity may negatively affect our stock price.
Expenses from operating as a public company and from new stock-based benefit plans will continue to adversely affect our profitability.
Issuance of shares for benefit programs may dilute your ownership interest.
Fox Chase MHC s majority control of our common stock will enable it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may find advantageous.
Office of Thrift Supervision policy on remutualization transactions could prohibit acquisition of Fox Chase Bancorp, which may adversely affect our stock price.
Full 10-K form ▸
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