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| related topics |
| {loan, real, estate} |
| {stock, price, share} |
| {provision, law, control} |
| {loss, insurance, financial} |
| {regulation, change, law} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {tax, income, asset} |
| {acquisition, growth, future} |
| {competitive, industry, competition} |
| {gas, price, oil} |
| {debt, indebtedness, cash} |
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We have had Losses and Low Earnings in Recent Periods
Because the Nature of the Financial Services Business Involves a High Volume of Transactions, the Company Faces Significant Operational Risks
A Significant Amount of our Business is Concentrated in Real Estate Lending, and Most of this Lending Involves Maryland Real Estate
We Have a High Percentage of Commercial, Commercial Real Estate, and Real Estate Acquisition and Development Loans in Relation to our Total Loans and Total Assets
Mortgage-Banking Activities Generate a Significant Portion of our Noninterest Income
We Face Interest Rate Risk on our Loans Held for Sale Portfolio
We Face Credit Risk Related to our Residential Mortgage Production Activities
We Face Risk Related to Covenants in our Loan Sales Agreements with Investors
We May Experience Loan Losses in Excess of the Allowance
The Market Value of Our Securities May Decline
Our Regulatory Expenses will Likely Increase Due to the Enactment of the Emergency Economic Stabilization Act and Related Government Programs
Customer Concern about Deposit Insurance May Cause a Decrease in Deposits Held at the Bank
Our Funding Sources May Prove Insufficient to Replace Deposits and Support our Future Growth
We Currently Hold a Significant Amount of Bank Owned Life Insurance
We Currently Have a Significant Amount of Deferred Tax Assets
Economic Conditions and Monetary Policy will Impact our Earnings and Financial Condition
First Mariner's Ability to Pay Cash Dividends is Limited
Our Management Controls a Significant Percentage of First Mariner's Common Stock
First Mariner's Common Stock is Not Heavily Traded
First Mariner Common Stock is Not Insured
We Operate in a Competitive Market
The FDIC Will Likely Require the Bank to Pay Restitution and a Penalty During 2009 and to Implement and Enhance Certain Controls
Our Lending Activities Subject us to the Risk of Environmental Liabilities
Contracts With Our Officers May Discourage a Takeover or Adversely Affect Our Takeover Value
Our Articles of Incorporation and Bylaws and Maryland Law May Discourage a Corporate Takeover
We Operate under Regulatory Agreements with the Federal Reserve Bank of Richmond, FDIC, and the Maryland Banking Commissioner
We may be Adversely Affected by Other Recent Legislation
Full 10-K form ▸
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