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| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {personnel, key, retain} |
| {tax, income, asset} |
| {acquisition, growth, future} |
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The soundness of other financial institutions, including the FHLB, could adversely impact the Company.
The Company s municipal bond portfolio may be adversely affected by the political, economic and legislative environment in New York State.
The value of certain securities in the Company s investment securities portfolio may be negatively affected by disruptions in the market for these securities.
The limitations on incentive compensation contained in the ARRA may adversely affect the Company s ability to retain its highest performing employees.
Participants in the CPP are subject to certain restrictions on dividends, repurchases of common stock and executive compensation.
Negative perceptions associated with our continued participation in the Treasury s TARP may adversely affect our ability to retain customers, attract investors, and compete for new business opportunities.
The Company has not yet attempted to obtain permission to repay TARP funds.
FDIC insurance premiums may increase materially.
The Company may need to raise additional capital in the future and such capital may not be available when needed or at all.
FII is a financial holding company and is dependent on its banking subsidiary for dividends, distributions and other payments.
Future issuances of additional securities could result in dilution of your ownership.
The Company may not pay dividends on its common stock.
If the Company experiences greater credit losses than anticipated, earnings may be adversely impacted.
Geographic concentration in one market may unfavorably impact the Company s operations.
The market price of shares of the Company s common stock may fluctuate.
The Company s market value could result in an impairment of goodwill.
Changes in interest rates could adversely impact the Company s results of operations and financial condition.
Industry competition may have an adverse impact on the Company s success.
Full 10-K form ▸
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