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| related topics |
| {tax, income, asset} |
| {condition, economic, financial} |
| {regulation, government, change} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {cost, operation, labor} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {regulation, change, law} |
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Sufficient Funding to Support Earning Asset Growth
Other Recent Legislation and Regulatory Actions
Difficult economic conditions and market volatility have adversely impacted the banking industry and financial markets and may significantly affect our business, financial condition, or results of operation
Current levels of market volatility are unprecedented.
Market Conditions have adversely affected the financial services industry
Federal Home Loan Bank of Pittsburgh suspends dividend and capital stock repurchase
Financial downfall increases other-than-temporary-impairment ( OTTI ) charges
The steadiness of other financial institutions could have detrimental effects
Future loan and lease losses may exceed the Corporation s allowance for loan and lease losses
Leasing business transactions may result in additional risks not previously experienced by the Corporation
Rapidly changing interest rate environment could reduce the Corporation s net interest margin, net interest income, fee income and net income
A continued general economic slowdown could further impact Wealth Management Division revenues and impair the value of goodwill and other intangibles related to the Wealth Management business
The financial services industry is very competitive
Decreased residential mortgage origination, volume and pricing decisions of competitors
There is no assurance that recently enacted legislation discussed above and in the sections of the 2008 Annual Report titled Regulatory Matters and Pending Legislation and Effect of Government Monetary Policy will stabilize the financial industry as intended. Since these programs are relatively new and are continuously changing, it is difficult to accurately determine the impact participating or not participating in these programs will have on the Corporation.
Additional risk factors also include the following, all of which may reduce revenues and/or increase expenses and/or pull Management s attention away from core banking operations which may ultimately reduce the Corporation s net income
Full 10-K form ▸
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