|
| related topics |
| {regulation, change, law} |
| {condition, economic, financial} |
| {tax, income, asset} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {stock, price, operating} |
| {system, service, information} |
| {provision, law, control} |
| {regulation, government, change} |
| {acquisition, growth, future} |
| {operation, natural, condition} |
| {financial, litigation, operation} |
|
|
Fluctuations in interest rates may reduce the Corporation s net income and future cash flows.
Possible future acquisitions could involve risks and challenges that could adversely affect the Corporation s ability to achieve its profitability goals for acquired businesses or realize anticipated benefits of those acquisitions.
Further decline in value in certain investment securities held by the Corporation could require further write-downs, which would reduce the Corporation s earnings.
The Corporation s allowance for loan losses may be inadequate, which may reduce the Corporation s earnings.
Changes in economic conditions could cause an increase in delinquencies and non-performing assets, including loan charge-offs, which in turn may negatively affect the Corporation s income and growth.
Because the Corporation competes primarily on the basis of the interest rates it offers depositors and the terms of loans it offers borrowers, the Corporation s margins could decrease if it were required to increase deposit rates or lower interest rates on loans in response to competitive pressure.
The Corporation is at risk for events that could disrupt business activities.
Provident Bank operates in a highly regulated environment and may be adversely affected by changes in laws and regulations.
The Corporation is subject to security and operational risks relating to use of its technology that could damage its reputation and business.
Various factors could hinder or prevent takeover attempts.
Changes in the Federal or State tax laws may negatively impact the financial performance of the Corporation.
Volatile and illiquid financial markets resulting from a significant event in the market may hinder the Corporations ability to increase or maintain its current liquidity position.
The Corporation is subject to litigation risk.
Changes in accounting standards or interpretation in new or existing standards could materially affect the financial results of the Corporation.
The Corporation s stock price can be volatile due to factors outside the Corporation s control.
Full 10-K form ▸
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