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| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {system, service, information} |
| {product, market, service} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {tax, income, asset} |
| {acquisition, growth, future} |
|
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We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
Unanticipated changes in interest rates could reduce our profitability and affect the value of our assets.
Competition from financial institutions and other financial service providers may adversely affect our growth and profitability.
If the value of real estate in the suburban Chicago and suburban Milwaukee areas were to decline precipitously, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us.
High loan-to-value ratios on a growing portion of our residential mortgage and home equity portfolios expose us to greater risk of loss.
Our ability to service our holding company debt and pay dividends to our shareholders is substantially dependent on dividends from the Bank, and these dividends are subject to regulatory limits.
Our allowance for loan losses is based on our estimates of future losses inherent in our portfolio, and actual losses we incur could exceed these estimates.
Income from our real estate development business has proven more volatile in recent periods than other sources of income.
Our acquisition strategy exposes us to certain risks.
Breaches of our computer and network security may result in compromises of information which could have a material adverse effect on our business.
Full 10-K form ▸
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