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| related topics |
| {loan, real, estate} |
| {financial, litigation, operation} |
| {tax, income, asset} |
| {product, market, service} |
| {provision, law, control} |
| {regulation, government, change} |
| {stock, price, share} |
| {capital, credit, financial} |
| {condition, economic, financial} |
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The Bank and the Company are subject to the restrictions and conditions of a Supervisory Agreement with, and other commitments the bank has made to, the Office of Thrift Supervision. Failure to comply with the Supervisory Agreement could result in additional enforcement action against it, including the imposition of monetary penalties, and could adversely affect the Bank s ability to meet the obligations under the Company s trust preferred securities.
The Bank has had losses and low earnings in recent years, and if it cannot generate and increase its income to competitive levels the Company s stock price may be adversely affected.
The Bank s increased emphasis on commercial real estate and commercial lending may expose it to increased lending risks.
Certain interest rate movements may decrease income and asset value.
The Bank does not expect to recover all of its losses from a recent check-kiting scheme, and its recovery efforts are expected to take a long period of time and may result in further expenses or litigation.
The Company currently does not pay dividends and may not resume the payment of dividends.
A downturn in the local economy or a decline in real estate values could hurt our profits.
Strong competition within Baltimore County Savings Bank s market area could adversely affect profits and slow growth.
The Bank and Company operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.
The MHC s majority control of the Company s common stock enables 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 which stockholders may find advantageous.
Full 10-K form ▸
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