Content analysis
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H.S. freshman Bad
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New words:
absence, ACL, Amalgamated, AOCI, BBB, behalf, behavior, Bentley, BIC, bond, boost, BTFP, buyer, capable, carbon, CBSM, CIO, clawback, Commerce, compromise, content, contractor, CoStar, Darien, defense, deviation, digital, Doherty, DPD, drawdown, Duke, EAD, Eastern, encompassed, erroneously, expertise, faith, FFIEC, FICO, fifty, GLBA, growing, heavily, IBERIABANK, immaterial, Innova, intermediate, introduced, LGD, mandatory, McCallum, Michigan, Mill, multiplied, Nashville, newly, noncumulative, Norwalk, onboarding, PD, pecuniary, perpetual, pertinent, phishing, physical, play, preservation, privacy, recognizable, replenish, risky, River, Road, Santander, Schiller, Serafina, sharpen, shift, Simplification, SOFR, Sterling, threat, TN, traditional, training, trend, unconditionally, vetted, voluntary, Window
Removed:
absolutely, accretable, accreted, accretion, adding, addressing, ALLL, analytical, analyzing, appraiser, approached, ascribed, assumption, carryover, collect, collecting, concession, considerable, consistently, criticized, decision, deduction, deferment, deficiency, demonstrated, depend, dependence, depth, deserve, deteriorating, directional, directive, duration, efficiently, emergence, emergency, employer, enabling, fifteen, Florida, footnote, forbearance, Georgia, grouped, guaranty, historic, imprecision, interagency, Island, ITM, Jr, LBP, LEP, lien, longest, LTV, mark, marked, noninterest, objectively, obtainable, Ohio, OTTI, parallel, PCI, pooling, prominent, reforecasting, refundable, regain, relief, restructured, revision, Rhode, segmented, shortfall, size, subset, substituting, suspend, systematic, Trouble, true, unallocated, underwritten
Financial report summary
?Competition
BHCRisks
- Risks Related to General Economic and Market Conditions
- We have been and may continue to be adversely affected by national financial markets and economic conditions, as well as local conditions.
- Inflationary pressures and rising prices may affect our results of operations and financial condition.
- Real estate lending involves risks related to a decline in value of commercial and residential real estate.
- Risks Related to Our Business Operations
- Patriot is dependent on its locally-based management team and the loss of its senior executive officers or other key employees could impair its relationship with its customers and adversely affect its business and financial results.
- Natural disasters, acts of war or terrorism, the impact of health epidemics and other adverse external events could detrimentally affect our financial condition and results of operations.
- Patriot is subject to certain general affirmative debt covenants, which if it cannot comply, may result in default and actions taken against it by its debt holders.
- The Bank is subject to environmental liability risk associated with its lending activities.
- The Company relies on the dividends and return of capital it receives from its subsidiary.
- Risks associated with changes in technology.
- The Bank may be required to pay significantly higher FDIC premiums, special assessments, or taxes that could adversely affect its earnings.
- Patriot is subject to risks associated with taxation.
- Changing regulation of corporate governance and public disclosure.
- Patriot is subject to certain risks with respect to liquidity.
- Risks Related to Environmental and Other Global Matters