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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {regulation, change, law} |
| {operation, natural, condition} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {debt, indebtedness, cash} |
| {control, financial, internal} |
| {regulation, government, change} |
| {loss, insurance, financial} |
| {tax, income, asset} |
|
|
Market and Interest Rate Risk
Changes in interest rates could reduce income and cash flow.
Changes in capital market conditions could reduce asset valuations.
Current market developments may adversely affect the Company s industry, business and results of operations.
The soundness of other financial institutions could adversely affect the Company.
There can be no assurance that the recently enacted legislation will help stabilize the U.S. financial system.
Risks Related to the Nature and Geographical Location of the Company s Business
The Company invests in loans that contain inherent credit risks that may cause the Company to incur losses.
The Company s operations are concentrated geographically in California, and poor economic conditions may cause the Company to incur losses.
The markets in which the Company operates are subject to the risk of earthquakes and other natural disasters.
As a financial services company, adverse changes in general business or economic conditions could have a material adverse effect on the Company s financial condition and results of operations.
The Company s Business May Be Adversely Affected by Conditions in the Financial Markets and Economic Conditions Generally .
The Value of Securities in the Company s Investment Securities Portfolio May be Negatively Affected by Continued Disruptions In Securities Markets .
Restrictions on dividends and other distributions could limit amounts payable to the Company.
Adverse effects of changes in banking or other laws and regulations or governmental fiscal or monetary policies could adversely affect the Company.
Federal and state governments could pass legislation responsive to current credit conditions.
Systems, Accounting and Internal Control Risks
The accuracy of the Company s judgments and estimates about financial and accounting matters will impact operating results and financial condition.
Full 10-K form ▸
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