865911--3/13/2009--CASCADE_BANCORP

related topics
{loan, real, estate}
{loss, insurance, financial}
{competitive, industry, competition}
{regulation, change, law}
{acquisition, growth, future}
{debt, indebtedness, cash}
The banking industry and Company operates under certain regulatory restrictions that may further impair our revenues, operating income and financial condition. Failure to meet capital requirements imposed by certain regulatory restrictions will have a negative impact on our financial condition, liquidity and results of operations. The Company has a significant concentration in real estate lending. A sustained downturn in real estate within the Company s markets could negatively impact the Company. The Company may be required to make further increases to its reserve for credit losses and to charge off additional loans in the future, which could adversely affect our results of operations. The Company may elect or be compelled to seek additional capital in the future to augment capital ratios or levels or improve liquidity, but capital may not be available when it is needed. Home values may continue to decrease leading to additional and greater than anticipated loan charge-offs and valuation write downs on our other real estate owned ( OREO ) properties. Our deposit insurance premium could be substantially higher in the future, which could have a material adverse effect on our future earnings. The Company is subject to extensive regulation which undergoes frequent and often significant changes. The financial services business is intensely competitive and our success will depend on our ability to compete effectively. The value of certain securities in our investment securities portfolio may be negatively affected by disruptions in the market for these securities.

Full 10-K form ▸
related documents
856751--12/23/2008--FIRST_KEYSTONE_FINANCIAL_INC
1381639--7/23/2010--Mayflower_Bancorp_Inc
920427--3/24/2006--UNITY_BANCORP_INC_/NJ/
763901--3/15/2006--POPULAR_INC
1024321--3/16/2007--BEVERLY_HILLS_BANCORP_INC
1326807--9/15/2006--Investors_Bancorp_Inc
859070--3/13/2008--FIRST_COMMUNITY_BANCSHARES_INC_/NV/
859070--3/12/2007--FIRST_COMMUNITY_BANCSHARES_INC_/NV/
859070--3/13/2009--FIRST_COMMUNITY_BANCSHARES_INC_/NV/
1025835--3/15/2007--ENTERPRISE_FINANCIAL_SERVICES_CORP
1070296--3/30/2010--FIRST_CAPITAL_INC
1243800--3/10/2006--RAINIER_PACIFIC_FINANCIAL_GROUP_INC
1472093--3/31/2010--Athens_Bancshares_Corp
707805--3/15/2007--USB_HOLDING_CO_INC
859139--3/1/2010--DELPHI_FINANCIAL_GROUP_INC/DE
706129--3/14/2008--HORIZON_BANCORP_/IN/
51939--2/27/2007--CORUS_BANKSHARES_INC
771614--3/27/2006--BRUNSWICK_BANCORP
1070296--3/30/2006--FIRST_CAPITAL_INC
706129--3/23/2007--HORIZON_BANCORP_/IN/
1326807--8/22/2008--Investors_Bancorp_Inc
707179--3/8/2006--OLD_NATIONAL_BANCORP_/IN/
764241--3/13/2006--INTEGRA_BANK_CORP
1143566--3/17/2008--EVERGREENBANCORP_INC
722256--3/15/2007--HUDSON_VALLEY_HOLDING_CORP
23795--3/13/2006--CONSOLIDATED_TOMOKA_LAND_CO
1040799--3/15/2007--FOUR_OAKS_FINCORP_INC
1094810--3/16/2006--MUTUALFIRST_FINANCIAL_INC
1094810--3/16/2007--MUTUALFIRST_FINANCIAL_INC
707179--2/27/2008--OLD_NATIONAL_BANCORP_/IN/