Content analysis
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Legalese | ||
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H.S. sophomore Avg
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New words:
acknowledge, Acknowledging, ACL, affordability, ahead, aim, aimed, alert, alleviate, ample, amplify, Appetite, asymmetry, attend, attention, blend, block, body, bolster, bridge, canceled, cancellable, capability, CAT, clarity, complicating, compounded, concept, condensed, conventional, corollary, crucial, cumulative, deceive, deceptive, defense, defensive, deserve, diligence, downloaded, elongated, encompassing, escalate, escalating, eventual, exceedingly, exert, exhibiting, extract, feedback, FFIEC, footprint, forensic, formal, foster, gradually, HELOC, hindered, holder, homebuyer, impede, inadequacy, intelligence, intensified, ISGC, ISP, junior, landscape, layered, legacy, lifespan, light, macroeconomic, maker, moderate, MOVEit, movement, nontaxable, occasionally, oversupply, Patch, perception, perpetrated, persistence, persistent, phenomena, pool, pooled, poor, preclusion, predominantly, pursued, reclassification, reconciling, Registry, residual, resilience, resolution, rest, rose, safeguard, scorecard, shaped, shock, shortfall, shrinking, shutdown, sixteen, slightly, slower, spurred, stakeholder, starkly, stay, surging, Sweep, tactical, tailor, tailored, threshold, tied, track, training, turnover, unbiased, unconditionally, unforeseen, unseasoned, upfront, upheld, utmost, variance, vCISO, vi, vital, Watermark, witnessed
Removed:
ABA, addressed, administrator, adult, Advisory, age, ago, American, attack, attempted, automatically, Bachelor, began, calculate, calendar, career, certainty, channel, charging, Claire, comparability, confirm, consultant, deal, delaying, demonstrated, desired, deteriorated, detrimentally, dilution, dishonest, downgraded, educating, effecting, eighteen, enable, evolve, executing, existed, expend, forecasting, foreclose, forgiven, Forgone, formula, formulating, fraudulently, fulfill, gathering, graduate, guarantor, Heidi, homeowner, honored, imbalance, imprecision, inaugural, independently, indexed, induce, insure, Interbank, intervention, jeopardize, joined, joining, Laura, Lee, LIBOR, London, magazine, Master, minimal, nationally, originally, OTTI, Paycheck, PCs, Phoenix, power, powerful, PPP, promoted, pronounced, properly, prospect, put, rated, realization, recalculation, recapture, recover, refinanced, reinvest, relation, relocate, remediate, remotely, remove, renegotiated, repaying, restructuring, riskier, sample, SBA, serving, Sexton, shipping, show, societal, sooner, Stewart, strongly, substitute, suited, sustaining, tablet, taxable, top, transact, twelve, undergo, unearned, union, vast, Wesley, Woodland, youth, Zoo
Financial report summary
?Risks
- A worsening of economic conditions in our market area could reduce demand for our products and services and result in increases in our level of nonperforming loans, which could adversely affect our operations, financial condition and earnings.
- External economic factors, such as changes in monetary policy and inflation and deflation, may have an adverse effect on our business, financial condition and results of operations.
- Our business may be adversely affected by credit risk associated with residential property and declining property values.
- Our allowance for credit losses on loans may prove inadequate or we may be negatively affected by credit risk exposures. Future additions to our allowance for credit losses on loans, as well as charge-offs in excess of reserves, will reduce our earnings.
- Fluctuating interest rates can adversely affect our profitability.
- Changes in the valuation of our securities portfolio could hurt our profits and reduce our capital levels.
- An increase in interest rates, change in the programs offered by Fannie Mae or our ability to qualify for its programs may reduce our mortgage revenues, which would negatively impact our noninterest income.
- A failure in or breach of our security systems or infrastructure, including breaches resulting from cyber-attacks, could disrupt our business, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase our costs and cause losses.
- The failure to protect our customers' confidential information and privacy could adversely affect our business.
- Our operations rely on certain external vendors.
- We continually encounter technological change, and we may have fewer resources than many of our competitors to invest in technological improvements.
- Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
- We operate in a highly regulated environment and may be adversely affected by changes in federal and state laws and regulations that could increase our costs of operations.
- The level of our commercial real estate loan portfolio may subject us to additional regulatory scrutiny.
- Our accounting policies and methods are fundamental to how we report our financial condition and results of operations, and we use estimates in determining the fair value of certain of our assets, which estimates may prove to be imprecise and result in significant changes in valuation.
- We are subject to an extensive body of accounting rules and best practices. Periodic changes to such rules may change the treatment and recognition of critical financial line items and affect our profitability.
- Climate change and related legislative and regulatory initiatives may materially affect the Company's business and results of operations.
- If our enterprise risk management framework is not effective at mitigating risk and loss to us, we could suffer unexpected losses and our results of operations could be materially adversely affected.
- We are subject to certain risks in connection with our data management or aggregation.
- Our growth or future losses may require us to raise additional capital in the future, but that capital may not be available when it is needed, or the cost of that capital may be exceedingly high.
- As a community bank, maintaining our reputation in our market area is critical to the success of our business, and the failure to do so may materially adversely affect our performance.
- The Company may not attract and retain skilled employees.
- The Company's ability to pay dividends and make subordinated debt payments is subject to the ability of the Bank to make capital distributions to the Company.