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| related topics |
| {condition, economic, financial} |
| {tax, income, asset} |
| {financial, litigation, operation} |
| {regulation, change, law} |
| {competitive, industry, competition} |
| {investment, property, distribution} |
| {personnel, key, retain} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {loan, real, estate} |
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Recent and pending legislation in response to market and economic conditions may significantly affect our operations, financial condition, and earnings.
Changes in business and economic conditions, in particular those of Hawaii and the Pacific Islands (Guam, nearby islands, and American Samoa) could continue to lead to lower revenue, lower asset quality, and lower earnings.
Difficult market conditions have adversely affected our industry.
Changes in interest rates could adversely impact our results of operations.
Credit losses may continue to increase due to weaker economic conditions.
Our operations are subject to extensive regulation.
Future legislative or regulatory actions responding to perceived financial and market problems could affect our rights against borrowers.
Competition may adversely affect our business.
Our liquidity is dependent on dividends from the Bank.
An interruption or breach in security of our information systems may result in financial losses or in a loss of customers.
Negative public opinion could damage our reputation and adversely impact our earnings and liquidity.
Changes in income tax laws or interpretations or in accounting standards could materially affect our financial condition or results of operations.
Our performance depends on attracting and retaining key employees and skilled personnel to operate our business effectively.
The soundness of other financial institutions may adversely impact our financial condition or results of operations.
Changes in the equity markets could materially affect the level of assets under management and the demand for our other fee-based services.
Our mortgage banking income may experience significant volatility.
Our investment in FHLB stock may be subject to impairment charges in future periods if the financial condition of the FHLB declines further.
The requirement to record certain assets and liabilities at fair value may adversely affect our financial results.
Full 10-K form ▸
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