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Financial report summary
?Risks
- Our funding sources may prove insufficient to replace deposits and support our future growth.
- A portion of our loan portfolio consists of loan participations secured by properties outside of our primary market area. Loan participations may have a higher risk of loss than loans we originate because we are not the lead lender and we have limited control over credit monitoring.
- If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings will decrease.
- We are subject to stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or limit our ability to pay dividends or repurchase shares.
- Changes in accounting standards could affect reported earnings.
- We face significant operational risks because the financial services business involves a high volume of transactions.
- Cyber-attacks or other security breaches could adversely affect our operations, net income or reputation.
- Risks associated with system failures, interruptions, or breaches of security could negatively affect our earnings.
- Market and Industry Risks
- Increased interest rates and changes in secondary mortgage market conditions could reduce our earnings from our mortgage banking operations.
- Declines in the value of securities held in the investment portfolio may negatively affect the Company’s earnings, capital and liquidity.
- The State of Illinois has significant financial difficulties, and this could adversely impact certain of our borrowers and the economic vitality of the state, which would have a negative impact on our business.
- Monetary policies and regulations of the Federal Reserve Board could adversely affect our business, financial condition and results of operations.
- Government responses to economic conditions may adversely affect our operations, financial condition and earnings.
- We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.
- Legal and regulatory proceedings and related matters could adversely affect us.
- Societal responses to climate change could adversely affect our business and performance, including indirectly through impacts on our customers.