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| related topics |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {product, market, service} |
| {condition, economic, financial} |
| {tax, income, asset} |
| {personnel, key, retain} |
| {system, service, information} |
| {control, financial, internal} |
| {provision, law, control} |
| {debt, indebtedness, cash} |
| {loan, real, estate} |
|
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The Company is Subject to Interest Rate Risk
The Company is Subject to Lending Risk
The Company s Allowance for Credit Losses May Be Insufficient
The Company s Profitability Depends Significantly on Economic Conditions in Central New York
The Company Operates In a Highly Competitive Industry and Market Area
The Company Is Subject To Extensive Government Regulation and Supervision
We Cannot Predict The Effect On Our Operations of Recent Legislative and Regulatory Initiatives That Were Enacted In Response To The Ongoing Financial Crisis
The Soundness of Other Financial Services Institutions May Adversely Affect Our Credit Risk
Increases in FDIC Deposit Insurance Premiums and Assessments Could Adversely Affect Our Financial Condition
Certain of Our Intangible Assets May Become Impaired in the Future
The Company s Controls and Procedures May Fail or Be Circumvented
New Lines of Business or New Products and Services May Subject the Company to Additional Risks
The Company Relies on Dividends from Its Subsidiary for Most of Its Revenue
The Company May Not Be Able To Attract and Retain Skilled People
The Company s Information Systems May Experience an Interruption Or Breach In Security
The Company Continually Encounters Technological Change
The Company s Articles of Incorporation, By-Laws and Shareholder Rights Plan As Well As Certain Banking Laws May Have an Anti-Takeover Effect
Full 10-K form ▸
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