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New words:
accommodative, await, awaiting, chain, content, ligation, unchanged
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Administration, capitalization, captioned, conclude, coupled, guarantee, guaranteed, identifiable, impaired, maintaining, NaN, Paycheck, Protection, qualify, roll, SBA, temporarily, terminal, test
Financial report summary
?Risks
- We are subject to extensive regulatory oversight.
- Changes in laws, government rules and regulations and monetary policy may have a material effect on our results of operations.
- Basel III capital rules generally require insured depository institutions and their holding companies to hold more capital, which could limit our ability to pay dividends, engage in share repurchases and pay discretionary bonuses.
- Our ability to pay dividends is subject to regulatory and other limitations, which may affect our ability to pay dividends to our stockholders or to repurchase our common stock.
- Changes in accounting standards and management's application of those standards could materially impact the Company’s financial statements.
- Changes in the value of goodwill and intangible assets could reduce our earnings.
- The need to account for assets at market prices may adversely affect our results of operations.
- An inadequate ACL - loans would negatively impact our results of operations.
- Commercial real estate, commercial & industrial and ADC loans expose us to increased risk and earnings volatility.
- Continued concentration of loans in our primary market area may increase our risk.
- Loans in our residential mortgage loan portfolio include interest only loans and loans that were originated as interest only loans that have converted to principal amortization status.
- Changes in market interest rates could adversely affect our financial condition and results of operations.
- Uncertainty relating to LIBOR calculation process and phasing out of LIBOR could adversely affect our results of operations.
- Our outstanding debt obligations and preferred stock, and our level of indebtedness could adversely affect our ability to raise additional capital and to meet our obligations under our existing indebtedness.
- Our results of operations, financial condition or liquidity may be adversely impacted by issues arising from certain foreclosure practices.
- We are subject to competition from both banks and non-bank companies.
- Our ability to make acquisitions is subject to significant risks, including the risk that regulators will not provide the requisite approvals.
- We are subject to laws regarding the privacy, information security and protection of personal information and any violation of these laws or incident involving the mishandling of personal, confidential or proprietary information of individuals could damage our reputation and otherwise adversely affect our operations and financial condition.
- We depend on our executive officers and key personnel to continue the implementation of our long-term business strategy and could be harmed by the loss of their services.
- Our investments in certain tax-advantaged projects may not generate returns as anticipated or at all and may have an adverse impact on our results of operations.
Management Discussion
- Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
- We make statements in this report, and we may from time to time make other statements, regarding our outlook or expectations for earnings, revenues, expenses and/or other financial, business or strategic matters regarding or affecting us that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, as amended. Forward-looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “outlook,” “target,” “estimate,” “forecast,” “project,” by future conditional verbs such as “will,” “should,” “would,” “could” or “may,” or by variations of such words or by similar expressions. These statements are not historical facts, but instead represent our current expectations, plans or forecasts and are based on the beliefs and assumptions of management and the information available to management at the time that these disclosures were prepared.
- Forward-looking statements are subject to numerous assumptions, risks (both known and unknown) and uncertainties, and other factors which change over time. Forward-looking statements speak only as of the date they are made. We do not assume any duty and do not undertake to update our forward-looking statements. Because forward-looking statements are subject to assumptions, risks, uncertainties, and other factors, actual results or future events could differ, possibly materially, from those that we anticipated in our forward-looking statements, and future results could differ materially from our historical performance.