Content analysis
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Legalese | ||
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Financial report summary
?Risks
- Securities Market Value Risks
- Significant Accounting Estimates Risks
- Trading of the Company's Common Stock
- Deterioration in the Housing Sector, Commercial Real Estate, and Related Markets May Adversely Affect Business and Financial Results.
- The Company’s Emphasis on Commercial Lending May Expose the Company to Increased Lending Risks, Which Could Hurt Profits.
- The Company is Subject to a Variety of Risks in Connection With Any Sale of Loans it May Conduct.
- The Company is Exposed to Risk of Environmental Liability When It Takes Title to Property.
- Effects of conditions in the financial markets and economic conditions generally, including macroeconomic pressures such as inflation, supply chain issues, and geopolitical risks associated with international conflict, and general economic conditions, either nationally or in our market areas, that are worse than expected.
- The Effects of any Public Health Emergencies and Pandemic Disease, Natural Disaster, War, Acts of Terrorism, Accident, or Similar Action or Event (Collectively, "an Event") May Adversely Affect, the Company’s Business, Financial Condition, Liquidity, and Results of Operations.
- The Company is Subject to Security and Operational Risks Relating to the Use of Technology that Could Damage the Company's Reputation and Business.
- The Company Faces Cybersecurity Risks, Including Denial of Service Attacks, Ransomware, Hacking and Identity Theft that Could Result in the Disclosure of Sensitive Information or the Creation of Unauthorized Transactions, Which Could Adversely Affect the Company’s Business or Reputation and Create Significant Legal and Financial Exposure.
- Counterparties and Correspondents Expose the Company to Risks.
- The Company’s Business is Reliant on Outside Vendors.
- Tailoring The Bank’s Retail Delivery Model to Respond to Consumer Preferences in Banking May Negatively Affect Earnings.
- Development of New Products and Services May Impose Additional Costs on the Company and May Expose It to Increased Operational Risk.
- The soundness of other financial institutions could adversely affect us.
- Legal and regulatory proceedings and related matters could adversely affect us and the banking industry in general.
- Loss of key employees could disrupt relationships with certain customers.
- Mergers, acquisitions and dispositions involve numerous risks and uncertainties.
- Market Interest Rate Conditions Could Adversely Affect Results of Operations and Financial Condition
- Liquidity is essential to the Company’s business and a lack of liquidity could adversely affect the Company’s financial condition and results of operations.
- The Company's Wholesale Funding Sources May Prove Insufficient to Replace Deposits at Maturity and Support Operations and Future Growth.
- The Company's Ability to Service Our Debt, Pay Dividends, and Otherwise Pay Obligations as They Come Due Is Substantially Dependent on Capital Distributions from the Bank, and These Distributions Are Subject to Regulatory Limits and Other Restrictions. The Company’s Stock Repurchase Program is also Dependent on These Distributions.
- Secondary Mortgage Market Conditions Could Have a Material Impact on the Company’s Financial Condition and Results of Operations.
- Market Interest Rate Conditions Could Adversely Affect Results of Operations and Financial Condition
- Declines in the Value of Certain Investment Securities Could Require Write-Downs, Which Would Reduce Earnings.
- Legislative and Regulatory Initiatives May Affect Business Activities and Increase Operating Costs.
- Provisions of the Company's Certificate of Incorporation, Bylaws, and Delaware Law, as Well as State and Federal Banking Regulations, Could Delay or Prevent a Takeover of Us by a Third Party.
- Changes in tax laws and accounting policies and practices.
- Various Factors May Cause our Allowance for Credit Losses on Loans to Increase.
- Fair Value Measurements May Be Affected by Inherent Uncertainties
- The Trading History of the Company’s Common Stock is Characterized By Low Trading Volume. The Value of Shareholder Investments May be Subject to Sudden Decreases Due to the Volatility of the Price of the Common Stock.