|
| related topics |
| {loan, real, estate} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {financial, litigation, operation} |
| {acquisition, growth, future} |
| {product, market, service} |
| {operation, natural, condition} |
|
|
Future loan losses may exceed our allowance for loan losses.
Bancorp may need to raise additional capital in the future to enhance or maintain desired levels of capital, improve capital ratios, or increase liquidity available for operations.
Home values may continue to decrease leading to additional and greater than anticipated loan charge-offs and valuation write downs on our other real estate owned ( OREO ) properties.
Rapidly changing interest rate environments could reduce our net interest margin, net interest income, fee income and net income.
We face liquidity risks in the operation of our business.
Disruptions in the real estate mortgage market may continue to impact our operations.
The Congressional and regulatory response to the current economic and credit crisis could have an adverse effect on our business.
Our business may be harmed by adverse events at other financial institutions.
Significant legal and regulatory actions could subject us to uninsured liabilities, associated reputational risk, and reduced revenues.
We may be subject to environmental liability risk associated with lending activities.
Slower than anticipated growth and/or revenues from new branches and product and service offerings could result in reduced net income.
Decreased volumes and lower gains on sales of mortgage and SBA loans, and loan repurchase obligations, could adversely affect our net income.
A weakening economy could negatively impact payment systems, trust and investment revenues.
Inability to hire or retain key professionals, management and staff could adversely affect our revenues and net income.
We face operational risks that may result in unexpected losses.
The financial services industry is very competitive.
The Company s market value could result in an impairment of goodwill.
Market and other constraints on our construction loan origination volumes are expected to lead to decreases in our interest and fee income that are not expected to be offset by reductions in our noninterest expenses.
The value of certain securities in our investment securities portfolio may be negatively affected by disruptions in the market for these securities.
Full 10-K form ▸
|
|
| related documents |
| 1033012--3/1/2007--FLAGSTAR_BANCORP_INC |
| 1000234--3/16/2006--ITLA_CAPITAL_CORP |
| 1069157--3/14/2006--EAST_WEST_BANCORP_INC |
| 1057706--2/29/2008--FIRST_BANCORP_/PR/ |
| 1026304--3/30/2009--BUCKHEAD_COMMUNITY_BANCORP_INC |
| 861955--7/18/2007--CIB_MARINE_BANCSHARES_INC |
| 946155--3/15/2007--TIAA_REAL_ESTATE_ACCOUNT |
| 927807--3/2/2009--INTERVEST_BANCSHARES_CORP |
| 911635--2/25/2010--ASSOCIATED_ESTATES_REALTY_CORP |
| 1319327--3/14/2008--Encore_Bancshares_Inc |
| 861955--4/1/2008--CIB_MARINE_BANCSHARES_INC |
| 701347--3/1/2007--CENTRAL_PACIFIC_FINANCIAL_CORP |
| 744126--3/16/2009--FIRST_CHESTER_COUNTY_CORP |
| 1028734--2/19/2010--COBIZ_FINANCIAL_INC |
| 701347--3/15/2006--CENTRAL_PACIFIC_FINANCIAL_CORP |
| 946155--3/20/2009--TIAA_REAL_ESTATE_ACCOUNT |
| 1005409--3/17/2006--DIME_COMMUNITY_BANCSHARES_INC |
| 1033012--3/13/2008--FLAGSTAR_BANCORP_INC |
| 911635--2/25/2009--ASSOCIATED_ESTATES_REALTY_CORP |
| 840889--8/15/2006--DORAL_FINANCIAL_CORP |
| 927807--3/2/2010--INTERVEST_BANCSHARES_CORP |
| 745308--2/23/2010--ST_JOE_CO |
| 1000209--3/15/2006--MEDALLION_FINANCIAL_CORP |
| 880116--3/16/2009--Southeastern_Bank_Financial_CORP |
| 787075--12/14/2007--FIRST_FINANCIAL_HOLDINGS_INC_/DE/ |
| 1027324--3/16/2007--MID-STATE_BANCSHARES |
| 1332815--3/28/2006--RESIDENTIAL_CAPITAL_CORP |
| 1359111--3/12/2010--Fox_Chase_Bancorp_Inc |
| 1028734--3/17/2008--COBIZ_FINANCIAL_INC |
| 1028734--3/15/2007--COBIZ_INC |
|