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| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {system, service, information} |
| {tax, income, asset} |
| {capital, credit, financial} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {regulation, government, change} |
| {competitive, industry, competition} |
|
|
Adverse changes in economic conditions could impair our financial condition and results of operations.
The banking business is highly regulated, and Merchants may be adversely affected by changes in law and regulation.
There can be no assurance that government action will help stabilize the U.S. financial system and will not have unintended adverse consequences on Merchants.
If Merchants allowance for loan losses is not adequate to cover actual loan losses, its earnings could decrease.
If market conditions worsen, the fair value of Merchants investment portfolio could be adversely affected and, in such case, certain unrealized losses could be designated as other than temporary in future periods which could result in a material charge to earnings and an adverse impact on Merchants capital ratios .
Merchants experiences strong competition within its markets, which may impact its profitability.
Interest rate volatility may reduce Merchants profitability.
Merchants could experience a liquidity crisis.
Merchants commercial, commercial real estate and construction loan portfolio may expose it to increased credit risks.
Merchants loans are concentrated in Vermont, and adverse conditions in those markets could adversely affect Merchants operations.
Merchants must adapt to information technology changes in the financial services industry, which could present operational issues, require significant capital spending, or impact Merchants reputation.
Risk of theft of customer information resulting from security breaches by third parties exposes Merchants to reputation risk and potential monetary loss.
Merchants evaluates acquisition and other expansion opportunities and strategies, the implementation of which could affect Merchants financial performance .
The increase in FDIC deposit insurance premiums will increase Merchants non-interest expense.
Merchants may be unable to attract and retain key personnel .
Full 10-K form ▸
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