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| related topics |
| {regulation, change, law} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {cost, contract, operation} |
| {competitive, industry, competition} |
| {tax, income, asset} |
| {control, financial, internal} |
| {product, liability, claim} |
|
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Adverse changes in the economic conditions in our market area could materially and negatively affect our business.
Competitive pressures from banks, financial services companies and other companies offering banking services could negatively impact our business.
Changes in interest rates could reduce our net interest margin and net interest income.
FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES
Significant increases in interest rates may affect customer loan demand and payment habits.
We may experience lower net interest income if our loan growth exceeds that of deposit growth requiring us to obtain other sources of funds at higher costs.
If our allowance for loan and lease losses is not adequate to cover actual or estimated future loan and lease losses, our earnings may decline.
Adverse changes in the market value of securities and investments that we manage for others may negatively impact the growth level of our non-interest income.
Expansion of our branch network may increase our expenses without proportionate increases in income.
Our branch locations may be negatively affected by changes in regional and local demographics.
FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES
Changes in the regulatory environment may adversely affect our business or the ability of the Bank to pay dividends to the Corporation.
Technology costs, new product development, and marketing costs may exceed our expectations and negatively impact our profitability.
Changes to financial accounting standards may affect our reported results of operations.
If we fail to maintain an effective system of internal controls, we may not be able to accurately report our financial results or prevent fraud.
Full 10-K form ▸
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