Content analysis
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New words:
acquiree, appointment, civil, constant, enacted, exceeded, facility, fifteen, indefinite, landlord, legislature, low, NaN, NIM, partly, permanent, placement, point, regular, round, shutting, systematically, turmoil, unrest, upcoming
Removed:
adjustment, aforementioned, application, arrive, certified, comparison, department, establishing, executed, foreclosure, frequently, independent, initially, penetration, publicly, repurchased, reviewed, routinely, trading, updated, verified
Financial report summary
?Risks
- A Lack of Liquidity Could Adversely Affect Our Operations and Jeopardize Our Liquidity, Business, Financial Condition or Results of Operations
- We May Be Materially and Adversely Affected by the Creditworthiness and Liquidity of Other Financial Institutions
- The Bank May Be Required to Rely on Secondary Sources of Liquidity to Meet Withdrawal Needs or Fund Operations, and There Can Be No Assurance That These Sources Will Be Sufficient to Meet Future Liquidity Demands
- The Bank Depends on Its Ability to Attract Deposits
- If We Are Unable to Decrease Our Use of Out-of-Market and Brokered Deposits, Our Costs May Be Higher Than Expected
- We Have Extended Off-Balance Sheet Commitments to Borrowers Which Expose Us to Credit and Interest Rate Risk, and We May Not Be Able to Meet Our Unfunded Credit Commitments
- We May Not Be Able to Implement Our Business Strategy Effectively
- Competition For Deposits and Loans Is Intense, and No Assurance Can Be Given That We Will Be Successful in Our Efforts to Compete with Other Financial Institutions
- We Face Risks Related to Our Commercial Real Estate Loan Concentrations
- We Are Exposed to Higher Credit Risk Due to Relationship Exposure With a Number of Large Borrowers
- We Make Loans to Small-to-Medium Sized Businesses That May Not Have the Resources to Weather a Downturn in the Economy
- There Can Be No Assurance That the Bank Will Not Incur Loan Losses In Excess of Our Allowance for Loan Losses
- A New Accounting Standard Will Likely Require Us to Increase Our Allowance for Loan Losses and May Have a Material Adverse Effect on Our Financial Condition and Results of Operations
- Changes in Interest Rates May Reduce the Bank’s Profitability
- If We Fail to Effectively Manage Credit Risk and Interest Rate Risk, Our Business and Financial Condition Will Suffer
- If We Are Unable to Grow Our Non-Interest Income, Our Growth Prospects Will Be Impaired
- Income From Mortgage-Banking Operations Is Volatile and We May Incur Losses With Respect to Our Mortgage-Banking Operations That Could Negatively Affect Our Earnings
- Decreased Residential Mortgage Origination Volume and Pricing Decisions of Competitors May Adversely Affect Our Profitability
- Our Mortgage Banking Profitability Could Significantly Decline If We Are Not Able to Originate and Resell a High Volume of Mortgage Loans and Securities
- We May Incur Costs, Liabilities, Fines and Other Sanctions If We Fail to Satisfy Our Mortgage Loan Servicing Obligations
- We May Be Required to Repurchase Mortgage Loans or Indemnify Buyers Against Losses in Some Circumstances
- The Performance of Our Investment Securities Portfolio is Subject to Fluctuation Due to Changes in Interest Rates and Market Conditions, Including Credit Deterioration of the Issuers of Individual Securities
- We could be required to write down goodwill and other intangible assets.
- Weather-Related Events, Other Natural Disasters, or Health Emergencies May Adversely Affect Our Business, Financial Condition or Results of Operations.
- Our Business Concentration in Middle Tennessee and Economic Challenges, Especially Those Affecting the Local Economy Where We Operate, Could Affect Our Financial Condition and Results of Operations
- A portion of our loan portfolio is comprised of participation and syndicated transaction interests, which could have an adverse effect on our ability to monitor the lending relationships and lead to an increased risk of loss
- A significant portion of our loans are located outside of our primary market area where our ability to oversee such loans directly is limited
- We currently invest in bank owned life insurance (“BOLI”) and may continue to do so in the future
- The Accuracy of Our Financial Statements and Related Disclosures Could be Affected if the Judgments, Assumptions or Estimates Used in Our Critical Accounting Policies are Inaccurate
- Negative Public Opinion or Failure to Maintain Our Reputation in the Communities We Serve Could Adversely Affect Our Business and Prevent Us from Growing Our Business
- The Obligations Associated with Being a Public Company Require Significant Resources and Management Attention, Which Could Increase Our Costs of Operations and May Divert Focus from Our Business Operations
- If We Fail to Correct Any Material Weakness That We Identify in Our Internal Control over Financial Reporting or Otherwise Fail to Maintain Effective Internal Control over Financial Reporting, We May Not Be Able to Report Our Financial Results Accurately and Timely
- A Failure in, or Breach of, Our Operational or Security Systems or Infrastructure, or Those of Our Third Party Vendors and Other Service Providers or Other Third Parties, Including as a Result of Cyber Attacks, Could Disrupt Our Businesses, Result in the Disclosure or Misuse of Confidential or Proprietary Information, Damage Our Reputation, Increase Our Costs, and Cause Losses
- The Financial Services Industry Is Undergoing Rapid Technological Changes, and We May Not Have the Resources to Implement New Technology to Stay Current with These Changes
- We Are Subject to Certain Operational Risks, Including, But Not Limited to, Fraud Committed by Employees and Customers
- Because We Engage in Lending Secured By Real Estate and May Be Forced to Foreclose on the Collateral Property and Own The Underlying Real Estate, We May Be Subject to the Increased Costs and Risk Associated with the Ownership of Real Property, Which Could Have an Adverse Effect on Our Business or Results of Operations
- We May Be Subject to Claims and Litigation Asserting Lender Liability
- We May Be Subject To Claims and Litigation Pertaining to Fiduciary Responsibility.
- Our Loan Portfolio Includes a Meaningful Amount of Real Estate Construction and Development Loans, Which Have a Greater Credit Risk than Residential Mortgage Loans
- We Are Dependent on Key Personnel
- The Amount of Interest Payable on the March 2016 and June 2016 Notes Will Vary Beginning in 2021
- We May Fail to Realize All of the Anticipated Benefits from Previously Acquired Financial Institutions or Institutions That We May Acquire in the Future, or Those Benefits May Take Longer to Realize Than Expected; We May Also Encounter Significant Difficulties in Integrating Financial Institutions That We Acquire
- Future Acquisitions Generally Will Require Regulatory Approvals and Failure to Obtain Them Would Restrict Our Growth
- We Are Subject to Extensive Regulation
- The Regulatory Environment for the Financial Services Industry Is Being Significantly Impacted by Financial Regulatory Reform Initiatives, Which May Adversely Impact Our Business, Results of Operations and Financial Condition
- We Are Affected by Governmental Monetary Policies
- The Impact of the Changing Regulatory Capital Requirements and Capital Rules Is Uncertain
- The Expanding Body of Federal, State and Local Regulation and/or the Licensing of Loan Servicing, Collections or Other Aspects of Our Business May Increase the Cost of Compliance And the Risks of Noncompliance
- We Are Subject to Numerous Fair Lending Laws Designed to Protect Consumers and Failure to Comply with These Laws Could Lead to a Wide Variety of Sanctions
- Federal and State Regulators Periodically Examine Our Business and We May Be Required to Remediate Adverse Examination Findings
- Our FDIC Deposit Insurance Premiums and Assessments May Increase
- We Are Required to Act As a Source of Financial and Managerial Strength For Our Bank in Times of Stress
- We Face a Risk of Noncompliance and Enforcement Action with the Bank Secrecy Act and Other Anti-Money Laundering Statutes and Regulations
- Increased Regulatory Oversight, Uncertainty Relating to the LIBOR Calculation Process and Potential Phasing Out of LIBOR After 2021 May Adversely Affect Our Results of Our Operations
- The Market Price of FB Financial Common Stock After the Merger May Be Affected by Factors Different from Those Affecting the Shares of Our Common Stock or FB Financial Common Stock Currently
- FB Financial and FFN are Expected to Incur Substantial Costs Related to the Merger and Integration
- Combining FB Financial and FFN May be More Difficult, Costly or Time Consuming Than Expected and FB Financial and FFN May Fail to Realize the Anticipated Benefits of the Merger
- The Future Results of the Combined Company Following the Merger May Suffer if the Combined Company Does Not Effectively Manage its Expanded Operations
- The Combined Company May be Unable to Retain FB Financial or FFN Personnel Successfully After the Merger is Completed
- Regulatory Approvals May Not be Received, May Take Longer Than Expected or May Impose Conditions That are Not Presently Anticipated or That Could Have an Adverse Effect on the Combined Company Following the Merger
- Termination of the Merger Agreement Could Negatively Affect FFN
- FB Financial and FFN Will be Subject to Business Uncertainties and Contractual Restrictions While the Merger is Pending
- The Shares of FB Financial Common Stock to be Received by Holders of Our Common Stock as a Result of the Merger Will Have Different Rights from the Shares of FFN Common Stock
- Holders of FB Financial Common Stock and FFN Common Stock Will Have a Reduced Ownership and Voting Interest in the Combined Company After the Merger and Will Exercise Less Influence Over Management
- Shareholder Litigation Could Prevent or Delay the Closing of the Merger or Otherwise Negatively Affect the Business and Operations of FB Financial and FFN
- The Merger Agreement Limits Our Ability to Pursue Alternatives to the Merger and May Discourage Other Companies from Trying to Acquire Us
- The Combined Company Will Have Over $10 Billion in Total Consolidated Assets as a Result of the Merger, Which Will Lead to Increased Regulation
- The Merger May Fail to Qualify as a “Reorganization” Within the Meaning of Section 368(a) of the Code
- An Active, Liquid Market for Our Common Stock May Not Develop or Be Sustained, Which May Impair the Ability of Our Shareholders to Sell Their Shares
- If Securities or Industry Analysts Do Not Publish Research or Publish Unfavorable Research About our Business, Our Stock Price and Trading Volume Could Decline
- The Market Price of Our Common Stock May Fluctuate Significantly
- Future Sales of Our Common Stock or Other Securities May Dilute the Value of Our Common Stock
- The Issuance of Any of Our Equity Securities Pursuant to Any Equity Compensation Plan We Have Adopted or May Adopt May Dilute the Value of Our Common Stock and May Affect the Market Price of Our Common Stock
- The Rights of Our Common Shareholders Are Subordinate to the Rights of the Holders of Our Outstanding Subordinated Notes and Any Debt Securities That We May Issue in the Future and May Be Subordinate to the Holders of Any Class of Preferred Stock That We May Issue in the Future
- There Is No Certainty of Return on Investment
- We Cannot Ensure That We Will Continue to Pay Dividends
- We May Require Additional Capital
- Anti-Takeover Provisions and Contractual Obligations Could Adversely Affect Our Shareholders