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| related topics |
| {loan, real, estate} |
| {regulation, government, change} |
| {condition, economic, financial} |
| {system, service, information} |
| {regulation, change, law} |
| {provision, law, control} |
| {financial, litigation, operation} |
| {tax, income, asset} |
|
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The Company s accounting policies and estimates are critical components of the Company s presentation of its financial statements. Our management must exercise judgment in selecting and adopting various accounting policies and in applying estimates. Actual outcomes may be materially different than amounts previously estimated.
The Company s lines of business and products not typically associated with traditional banking expose the Company s earnings to additional risks and uncertainties.
RALs represent a significant business risk, and if the Company terminated the business it would materially impact the earnings of the Company.
Our mortgage banking activities would be significantly adversely impacted by rising long-term interest rates.
Payday loans offered through third party Marketer/Servicers represent a material component of the Company historical earnings.
The Company s Overdraft Honor program represents a significant business risk, and if the Company terminated the program it would materially impact the earnings of the Company. There can be no assurance that the Company s regulators, or others, will not impose additional limitations on this program or prohibit the Company from offering the program.
The Company s stock generally has a low average daily trading volume, which limits a shareholder s ability to quickly accumulate or quickly sell large numbers of shares of Republic s stock without causing negative price fluctuations.
Fluctuations in interest rates may negatively impact our banking business.
Republic is subject to regulatory capital adequacy guidelines, and if we fail to meet these guidelines our financial condition may be adversely affected.
Our financial condition and earnings could be negatively impacted to the extent the Company relies on information that is false, misleading or inaccurate.
Defaults in the repayment of loans may negatively impact our business
Prepayment of loans may negatively impact Republic s business.
Full 10-K form ▸
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