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| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {product, liability, claim} |
| {debt, indebtedness, cash} |
| {stock, price, share} |
| {product, market, service} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
|
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Our results of operations are significantly dependent on economic conditions and related uncertainties.
Changes in interest rates could have a material adverse effect on our operations.
There are increased risks involved with multi-family residential, commercial real estate, commercial business and consumer lending activities.
Our allowance for losses on loans and leases may not be adequate to cover probable losses.
We are subject to extensive regulation which could adversely affect our business and operations.
We face strong competition which may adversely affect our profitability.
Our ability to successfully compete may be reduced if we are unable to make technological advances.
We and our banking subsidiary are subject to capital and other requirements which restrict our ability to pay dividends.
Holders of our common stock have no preemptive rights and are subject to potential dilution.
Our deposit insurance premium could be substantially higher in the future which would have an adverse effect on our future earnings.
The actions of the U.S. Government for the purpose of stabilizing the financial markets, or market response to those actions, may not achieve the intended effect, and our results of operations could be adversely effected.
Full 10-K form ▸
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