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related topics |
{loan, real, estate} |
{condition, economic, financial} |
{regulation, change, law} |
{debt, indebtedness, cash} |
{tax, income, asset} |
{capital, credit, financial} |
{stock, price, share} |
{control, financial, internal} |
{cost, operation, labor} |
{cost, contract, operation} |
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Declines in home values in our markets could adversely impact results from operations.
Changes in interest rates could negatively impact our financial condition and results of operations.
If we are unable to borrow funds through access to capital markets, we may not be able to meet the cash flow requirements of our depositors and borrowers, or meet the operating cash needs to fund corporate expansion and other activities.
If our credit ratings were downgraded, the ability to access funding sources may be negatively impacted or eliminated, and our liquidity and the market price of our common stock could be adversely impacted.
We have authorized the use of a substantial amount of our cash for the repurchase of our shares, and this use of funds may limit our ability to complete other transactions or to pursue other business initiatives.
We have significant competition in both attracting and retaining deposits and in originating loans and leases.
In the normal course of business, we process large volumes of transactions. However, there can be no assurance that we will be able to continue processing at the same or higher levels of transactions. If systems of internal control should fail to work as expected, if systems are used in an unauthorized manner, or if employees subvert the system of internal controls, significant losses could result.
We may fail to realize the anticipated cost savings and other financial benefits of the merger on the anticipated schedule, if at all.
An extended disruption of vital infrastructure could negatively impact our business, results of operations, and financial condition.
New or changes in existing tax, accounting, and regulatory rules and interpretations could significantly impact strategic initiatives, results of operations, cash flows, and financial condition.
Non-compliance with USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
The OCC may impose dividend payment and other restrictions on the Bank, which would impact our ability to pay dividends to shareholders or repurchase stock.
The Federal Reserve Board may require us to commit capital resources to support the Bank.
If any of our Real Estate Investment Trust (REIT) affiliates fail to qualify as a REIT, we may be subject to a higher consolidated effective tax rate.
We could be held responsible for environmental liabilities of properties acquired through foreclosure of loans secured by real estate.
Full 10-K form ▸
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