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| related topics |
| {capital, credit, financial} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {product, market, service} |
| {tax, income, asset} |
| {loss, insurance, financial} |
|
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Banking laws and regulations could limit our access to funds from the Bank, one of our primary sources of liquidity.
Commercial real estate and commercial business loans expose us to increased lending risks.
Our results of operations are affected by economic conditions in the New York metropolitan area and nationally.
Changes in economic conditions or interest rates may negatively affect our earnings, capital and liquidity.
Strong competition within our market areas could hurt our profits and slow growth.
We operate in a highly regulated industry, which limits the manner and scope of our business activities.
Changes in banking laws could have a material adverse effect on us.
There can be no assurance that recently enacted legislation and related regulatory actions will stabilize the U.S. financial system.
The FDIC s recent increase in deposit insurance premiums is expected to cause a significant increase in our non-interest expense.
As a participant in the Treasury s Capital Purchase Program, we are subject to several restrictions including restrictions on our ability to declare or pay dividends and repurchase our shares as well as restrictions on our executive compensation.
If our investment in the Federal Home Loan Bank of New York is classified as other-than-temporarily impaired or as permanently impaired, our earnings and stockholders equity could decrease.
Insufficient cash flows of a pool of trust preferred securities serving as collateral for a collateralized debt obligation held in our portfolio may result in further other than temporary impairment.
Alternatives to deposits as a funding source may become more expensive.
The impact on us of recently enacted and proposed legislation and government programs to stabilize the financial markets cannot be predicted at this time.
We continually encounter technological change, and may have fewer resources than our competitors to continue to invest in technological improvements.
The Company s capital raising options may be limited while the market price for its common stock is below its par value.
Full 10-K form ▸
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