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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {product, market, service} |
| {cost, operation, labor} |
| {loss, insurance, financial} |
| {provision, law, control} |
| {competitive, industry, competition} |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {acquisition, growth, future} |
| {regulation, change, law} |
|
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We may not be able to continue to grow our business, which may adversely impact our results of operations.
Geographic concentration in one market may unfavorably impact our operations.
Loss of certain of our key officers would adversely affect our business.
Our exposure to credit risk, because we focus on commercial lending, could adversely affect our earnings and financial condition.
If our allowance for loan and lease losses is not sufficient to cover actual loan and lease losses, our earnings would decrease.
Changes in interest rates may adversely affect our earnings and financial condition.
Adverse economic and business conditions in our market area may have an adverse effect on our earnings.
Indirect effects of sub prime lending issues in the financial services industry may inhibit our ability to access the capital markets.
If we are not able to securitize assets, it could negatively affect our liquidity and capital ratios.
Adverse business conditions in our vehicle leasing subsidiary could adversely affect our financial performance.
Competition from other financial institutions in originating loans, attracting deposits and providing various financial services may adversely affect our profitability.
We continually encounter technological change, and we may have fewer resources than many of our competitors to continue to invest in technological improvements, which could reduce our ability to effectively compete.
Government regulation significantly affects our business.
The Pennsylvania business corporation law and various anti-takeover provisions under our articles of incorporation could impede the takeover of the company.
Combining Susquehanna and Community may be more difficult, costly or time-consuming than we expect, or could result in the loss of customers.
Full 10-K form ▸
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