|
| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {regulation, government, change} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {system, service, information} |
|
|
Investments in Bancorp s common or preferred stock involve risk, and Bancorp s profitability and success may be affected by a number of factors including those discussed below.
Difficult national and local market conditions have adversely affected our industry.
There can be no assurance that recently enacted legislation will stabilize the U.S. financial system.
Our financial condition and profitability depend significantly on local and national economic conditions.
Recently declining values of real estate may increase our credit losses, which would negatively affect our financial results.
Recent unprecedented market volatility and significant stock market decline could negatively affect our financial results.
If our actual loan losses are greater than our allowance assumption for loan losses, our earnings could decrease.
Fluctuations in interest rates could reduce our profitability.
Declines in the securities market could affect our profitability.
Competition with other financial institutions could adversely affect our profitability.
We rely heavily on our management team, and the unexpected loss of key managers may adversely affect our operations.
Our accounting policies and methods are critical to how we report our financial condition and results of operations. They require management to make estimates about matters that are uncertain.
An extended disruption of vital infrastructure or a security breach could negatively impact our business, results of operations, and financial condition.
We operate in a highly regulated environment and may be adversely affected by changes in federal, state and local laws and regulations.
Full 10-K form ▸
|
|
| related documents |
| 922487--3/30/2009--ROYAL_BANCSHARES_OF_PENNSYLVANIA_INC |
| 1329842--3/27/2009--Federal_Home_Loan_Bank_of_New_York |
| 828944--3/16/2009--WSFS_FINANCIAL_CORP |
| 1290476--3/31/2009--Village_Bank_&_Trust_Financial_Corp. |
| 314489--3/16/2009--FIRST_BUSEY_CORP_/NV/ |
| 1181001--4/15/2009--ALLIANCE_BANKSHARES_CORP |
| 742054--3/12/2009--CADENCE_FINANCIAL_CORP |
| 717538--3/5/2010--ARROW_FINANCIAL_CORP |
| 700564--3/2/2009--FULTON_FINANCIAL_CORP |
| 885275--3/16/2010--WILSON_BANK_HOLDING_CO |
| 1127371--3/19/2009--CENTRAL_VALLEY_COMMUNITY_BANCORP |
| 1329842--3/25/2010--Federal_Home_Loan_Bank_of_New_York |
| 717538--3/6/2009--ARROW_FINANCIAL_CORP |
| 845091--3/27/2008--MERRILL_LYNCH_LIFE_INSURANCE_CO |
| 703329--3/13/2009--FIRST_FARMERS_&_MERCHANTS_CORP |
| 703329--3/16/2010--FIRST_FARMERS_&_MERCHANTS_CORP |
| 1069157--2/29/2008--EAST_WEST_BANCORP_INC |
| 725537--3/30/2006--SECURITY_CAPITAL_CORP/MS |
| 101382--2/24/2010--UMB_FINANCIAL_CORP |
| 101382--2/26/2009--UMB_FINANCIAL_CORP |
| 101382--2/28/2008--UMB_FINANCIAL_CORP |
| 101382--3/1/2007--UMB_FINANCIAL_CORP |
| 1326771--3/16/2007--Federal_Home_Loan_Bank_of_Cincinnati |
| 845091--3/26/2009--MERRILL_LYNCH_LIFE_INSURANCE_CO |
| 862923--3/26/2009--ML_LIFE_INSURANCE_CO_OF_NEW_YORK |
| 1396009--2/26/2010--Vulcan_Materials_CO |
| 799850--7/3/2008--AMERICAS_CARMART_INC |
| 796534--3/12/2008--NATIONAL_BANKSHARES_INC |
| 16614--3/31/2010--CAMCO_FINANCIAL_CORP |
| 765207--3/13/2009--FIRST_NATIONAL_LINCOLN_CORP_/ME/ |
|