7789--2/16/2010--ASSOCIATED

related topics

{stock, price, share}

{system, service, information}

{financial, litigation, operation}

{regulation, change, law}

{loan, real, estate}

{condition, economic, financial}

{acquisition, growth, future}

{personnel, key, retain}

{capital, credit, financial}

{debt, indebtedness, cash}

{tax, income, asset}

{product, market, service}

{operation, natural, condition}

{product, liability, claim}

{competitive, industry, competition}

{control, financial, internal}

{gas, price, oil}

We are Subject to Environmental Liability Risk Associated with Lending Activities. Lack of System Integrity or Credit Quality Related to Funds Settlement could Result in a Financial Loss. Financial Services Companies Depend on the Accuracy and Completeness of Information about Customers and Counterparties. Changes in Our Accounting Policies or in Accounting Standards could Materially Affect How We Report Our Financial Results and Condition. Our Internal Controls may be Ineffective. Impairment of Investment Securities, Goodwill, Other Intangible Assets, or Deferred Tax Assets could Require Charges to Earnings, Which could Result in a Negative Impact on Our Results of Operations. We may not be Able to Attract and Retain Skilled People. Loss of Key Employees may Disrupt Relationships with Certain Customers. Because the Nature of the Financial Services Business Involves a High Volume of Transactions, We Face Significant Operational Risks. We Rely on Other Companies to Provide Key Components of Our Business Infrastructure. Revenues from Our Investment Management and Asset Servicing Businesses are Significant to Our Earnings. Our Information Systems may Experience an Interruption or Breach in Security. The Potential for Business Interruption Exists Throughout Our Organization. New Requirements Under EESA and Changes in the Troubled Asset Relief Program ( TARP ) CPP Regulations may Adversely Affect Our Operations and Financial Condition. We are Subject to Extensive Government Regulation and Supervision. We are Subject to Examinations and Challenges by Tax Authorities. We are Subject to Claims and Litigation Pertaining to Fiduciary Responsibility. We may be a Defendant in a Variety of Litigation and Other Actions, Which may have a Material Adverse Effect on Our Financial Condition and Results of Operation. Our Profitability Depends Significantly on Economic Conditions in the States Within Which We do Business. The Earnings of Financial Services Companies are Significantly Affected by General Business and Economic Conditions. Our Earnings are Significantly Affected by the Fiscal and Monetary Policies of the Federal Government and its Agencies. We Operate in a Highly Competitive Industry and Market Area. Consumers may Decide not to Use Banks to Complete their Financial Transactions. Severe Weather, Natural Disasters, Acts of War or Terrorism, and Other External Events could Significantly Impact Our Business. Our Financial Condition and Results of Operations could be Negatively Affected if We Fail to Grow or Fail to Manage Our Growth Effectively. Acquisitions may Disrupt Our Business and Dilute Stockholder Value. We Continually Encounter Technological Change. New Lines of Business or New Products and Services may Subject Us to Additional Risk. Negative Publicity could Damage Our Reputation. Unauthorized Disclosure of Sensitive or Confidential Client or Customer Information, Whether through a Breach of Our Computer Systems or Otherwise, could Severely Harm Our Business. Ethics or Conflict of Interest Issues could Damage Our Reputation. Liquidity is Essential to Our Businesses. We Rely on Dividends from Our Subsidiaries for most of Our Revenue. We are Subject to Interest Rate Risk. The Impact of Interest Rates on Our Mortgage Banking Business can have a Significant Impact on Revenues. Changes in Interest Rates could also Reduce the Value of Our Mortgage Servicing Rights and Earnings. Risks Related to an Investment in Our Common Stock Our Stock Price can be Volatile. There may be Future Sales or Other Dilution of Our Equity, Which may Adversely Affect the Market Price of Our Common Stock. We may Eliminate Dividends on Our Common Stock. Our Agreements with the UST Under the CPP Impose Restrictions and Obligations on us that Limit Our Ability to Increase Dividends, Repurchase Our Common Stock or Preferred Stock and Access the Equity Capital Market. The Common Stock is Equity and is Subordinate to Our Existing and Future Indebtedness and Preferred Stock and Effectively Subordinated to All the Indebtedness and Other Non-Common Equity Claims Against Our Subsidiaries.

Full 10-K form ▸

7789--2/16/2010--ASSOCIATED_BANC-CORP