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related topics |
{loan, real, estate} |
{financial, litigation, operation} |
{regulation, change, law} |
{condition, economic, financial} |
{acquisition, growth, future} |
{system, service, information} |
{personnel, key, retain} |
{stock, price, share} |
{tax, income, asset} |
{product, market, service} |
{product, liability, claim} |
{loss, insurance, financial} |
{operation, natural, condition} |
{competitive, industry, competition} |
{control, financial, internal} |
{capital, credit, financial} |
{debt, indebtedness, cash} |
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An Investment in Our Common Stock is not an Insured Deposit
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
We are Subject to Lending Concentration Risks
Changes in Economic and Political Conditions could Adversely Affect Our Earnings, as Our Borrowers Ability to Repay Loans and the Value of the Collateral Securing Our Loans Decline
Our Allowance for Loan Losses may be Insufficient
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
Liquidity is Essential to Our Businesses
We Rely on Dividends from Our Subsidiaries for most of Our Revenue
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
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
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
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
Full 10-K form ▸
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