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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {system, service, information} |
| {regulation, change, law} |
| {financial, litigation, operation} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {stock, price, operating} |
| {regulation, government, change} |
|
|
If economic conditions worsen or the U.S. experiences a nationwide recession, the company s allowance for loan losses may not be adequate to cover actual losses.
The domestic interest rate environment could negatively affect the company s net interest income.
The financial services industry is highly competitive, and competitive pressures could intensify and adversely affect the company s financial results.
Changes in accounting standards may materially impact the company s financial statements.
The company s business could suffer if it loses key personnel unexpectedly or fails to provide for an orderly management succession.
The company relies on other companies to provide key components of the company s business infrastructure.
Significant legal actions could subject the company to substantial uninsured liabilities.
The company is exposed to risk of environmental liability when it takes title to properties.
The company faces continuing and growing security risks to its own information base and to information on its customers.
The company s stock price can be volatile.
If the value of real estate in our market area were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which might have a material adverse effect on us.
We are subject to the local economies where we operate, and unfavorable economic conditions in these areas could have a material adverse effect on our financial condition and results of operations.
We may be adversely affected by government regulation.
Full 10-K form ▸
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