Content analysis
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Legalese | ||
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H.S. freshman Avg
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New words:
AA, adapt, AFS, architecture, arrangement, artificial, authenticate, blockchain, budget, Certificate, certification, chaired, CME, collaborate, compounded, context, conveyed, counteract, cybersecurity, defense, defensive, departmental, destructive, donation, driver, earliest, email, embedded, enterprise, entry, escalation, Fannie, HTM, intelligence, interval, investigation, jurisdiction, LGD, LM, machine, Mae, NDCF, NIST, nonaffiliated, noncredit, Notwithstanding, overseeing, PCD, PD, persistent, phase, played, principle, proportional, quantify, rebuilding, Registry, resilience, resumption, retrospective, reverted, reweighted, robust, role, SBK, sector, sovereign, speed, Steering, subtracted, sudden, tabletop, taxation, Tennessean, thereof, Today, trust, unaffiliated, unconditionally, undrawn, universe, victim, voluntarily, withdrew, York
Removed:
accretable, back, booked, cancelled, charging, collecting, compelling, Comptroller, converted, costly, Currency, debtor, declaring, demonstrated, detailing, discontinuance, disposal, enact, executed, fallback, formula, good, guarantor, history, imprecision, improving, inherently, introducing, Kingdom, legacy, lifetime, lockout, measurable, moving, nationwide, nonaccretable, notified, notifying, object, objected, obtainable, permanently, PFG, pooled, predetermined, prescreening, Progressive, provisioning, reclassification, restructured, revise, revision, short, significance, strategically, structuring, temporarily, theft, tied, treatment, unallocated, uniform, upcoming
Financial report summary
?Risks
- Our net interest income could be negatively affected by interest rate adjustments by the Federal Reserve Board.
- We are dependent on our information technology and telecommunications systems and third-party servicers, and systems failures, interruptions or breaches of security could have an adverse effect on our financial condition and results of operations.
- We are subject to extensive government regulation that could limit or restrict our activities, which in turn may adversely impact our ability to increase our assets and earnings.
- The Federal Reserve may require us to commit capital resources to support the Bank.
- Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
- If our allowance for credit losses is not sufficient to cover actual losses, our earnings will be adversely affected.
- Our success depends significantly on economic conditions in our market areas.
- Competition from financial institutions and other financial service providers may adversely affect our profitability.
- Our organic loan and lease growth may be limited by regulatory constraints.
- To the extent that we are unable to identify and consummate attractive acquisitions, or increase loans and leases through organic loan and lease growth, we may be unable to successfully implement our growth strategy, which could materially and adversely affect us.
- Our recent acquisition and future expansion may result in additional risks.
- We may face risks with respect to future acquisitions.
- Our concentration in loans secured by real estate, particularly commercial real estate and construction and development, is subject to risks that could adversely affect our results of operations and financial condition.
- Our largest loan relationships currently make up a significant percentage of our total loan portfolio.
- Declines in the businesses or industries of our customers could cause increased credit losses and decreased loan balances, which could adversely affect our financial results.
- Our use of appraisals in deciding whether to make a loan secured by real property does not ensure the value of the real property collateral.
- Liquidity risk could impair our ability to fund our operations and jeopardize our financial condition.
- We could recognize losses on securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
- We face additional risks due to our increase in mortgage banking activities that have and could negatively impact our net income and profitability.
- Any expansion into new lines of business might not be successful.
- Any deficiencies in our financial reporting or internal controls could materially and adversely affect us, including resulting in material misstatements in our financial statements, and could materially and adversely affect the market price of our common stock.
- Inability to retain senior management and key employees or to attract new experienced financial services professionals could impair our relationship with our customers, reduce growth and adversely affect our business.
- Employee misconduct could expose us to significant legal liability and reputational harm.
- We may be adversely affected by the soundness of other financial institutions.
- Our ability to declare and pay dividends is limited.
- Even though our common stock is currently traded on the New York Stock Exchange (“NYSE”), it has less liquidity than many other stocks quoted on a national securities exchange.
- We may issue additional shares of stock or equity derivative securities, including awards to current and future executive officers, directors and employees, which could result in the dilution of shareholders’ investment.