Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. freshman Avg
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New words:
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Removed:
administrator, affordable, ARRC, back, Baily, Bancorp, began, Beynon, carryover, categorized, chain, commencing, consulting, convened, DCF, defaulted, defer, design, discontinuance, divestiture, donated, effecting, Exclusive, expanded, expanding, exposed, federally, FFSB, forbearance, forgiven, franchise, FWVB, GPC, hardship, Headlee, hotel, impossible, incremental, inevitable, infrastructure, initiative, insignificant, intraperiod, Joseph, Karl, Kingdom, locally, magnitude, Manager, matured, merged, modifying, nation, occupancy, optimization, outbreak, participating, payroll, PB, PPP, Progressive, prospectively, quantitatively, reach, reinsurance, remotely, removed, reopened, replaced, restructure, SBA, sector, separated, shop, Simplifying, smaller, software, specialist, study, suspend, TAM, technical, temporarily, thought, traction, trade, unavailability, unearned, unrecorded, vaccine, worked, workflow, working, writedown, yielding
Financial report summary
?Risks
- A large percentage of the Company’s loans are collateralized by real estate, and further disruptions in the real estate market may result in losses and reduce the Company’s earnings.
- Because the Company emphasizes commercial real estate and commercial loan originations, its credit risk may increase, and continued downturns in the local real estate market or economy could adversely affect its earnings.
- If our nonperforming assets increase, our earnings will suffer.
- If the Company’s allowance for credit losses is not sufficient to cover actual credit losses, the Company’s results of operations would be negatively affected.
- Changes in interest rates may reduce the Company’s profits and impair asset values.
- Impairment in the carrying value of goodwill could negatively affect our results of operations.
- If we are unable to borrow funds, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or the operating cash needed to fund corporate expansion and other corporate activities.
- The Company’s ability to pay dividends is subject to the ability of Community Bank to make capital distributions to the Company, and also may be limited by Federal Reserve policy.
- Because the nature of the financial services business involves a high volume of transactions, the Company faces significant operational risks.
- Risks associated with system failures, interruptions, breaches of security or cyber security could negatively affect the Company’s earnings.
- The Company’s risk management framework may not be effective in mitigating risk and reducing the potential for significant losses.
- Changes in the Company’s accounting policies or in accounting standards could materially affect how the Company reports its financial condition and results of operations.
- The need to account for certain assets at estimated fair value, such as securities, may adversely affect the Company’s financial condition and results of operations.
- Strong competition within the Company’s market area could adversely affect the Company’s earnings and slow growth.
- A worsening of economic conditions could adversely affect the Company’s financial condition and results of operations.
- Inflation can have an adverse impact on our business and on our customers.
- Climate change and related legislative and regulatory initiatives may materially affect the Company’s financial condition and results of operations.
- We could be adversely affected by failure in our internal controls.