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| related topics |
| {loan, real, estate} |
| {regulation, change, law} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
| {cost, operation, labor} |
| {tax, income, asset} |
| {customer, product, revenue} |
| {regulation, government, change} |
|
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Failure to successfully execute our turnaround strategy would adversely affect future earnings.
Weak loan growth may hinder our ability to improve earnings performance.
We have unionized employees, which increases our costs and may deter any acquisition proposal.
A meaningful portion of our trust business is dependent on a union client base.
Changes in interest rates could reduce our income, cash flows and asset values.
Because our operations are concentrated in Cambria and Somerset Counties, Pennsylvania, we are subject to economic conditions in this area, which typically lag behind economic activity in other areas.
We are subject to lending risks.
Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance.
Our future success will depend on our ability to compete effectively in a highly competitive market and geographic area.
Environmental liability associated with lending activities could result in losses.
We may be adversely affected by government regulation.
Full 10-K form ▸
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