Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
8th grade Avg
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New words:
filed, function, sooner
Removed:
card, debit
Financial report summary
?Risks
- Environmental liability associated with commercial lending could result in losses.
- Our business may be adversely affected by credit risks associated with residential property.
- If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings and capital could decrease.
- Changes in interest rates may hurt our results of operations and financial condition.
- Hedging against interest rate exposure may adversely affect our earnings.
- We may be unable to attract, hire and retain qualified key employees, which could adversely affect our business prospects, including our competitive position and results of operations.
- We may not be able to successfully implement our strategic plan.
- Our efficiency ratio is high, and we anticipate that it may remain high, as a result of the ongoing implementation of our business strategy.
- The loss of deposits or a change in deposit mix could increase our cost of funding.
- Our funding sources may prove insufficient to allow us to meet our obligations, replace depositor withdrawals or support future growth.
- We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
- Our banking business is highly regulated, which could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business.
- We are subject to capital and liquidity standards that require banks and bank holding companies to maintain more and higher quality capital and greater liquidity than has historically been the case.
- Changes in the valuation of our securities could adversely affect us.
- We face continuing and growing security risks to our information base, including the information we maintain relating to our customers.
- We may not be able to successfully implement future information technology system enhancements, which could adversely affect our business operations and profitability.
- We rely on other companies to provide key components of our business infrastructure.
- If our risk management framework does not effectively identify or mitigate our risks, we could suffer losses.
- Changes in tax laws and regulations and differences in interpretation of tax laws and regulations may adversely impact our financial statements.
- Holders of our subordinated notes have rights that are senior to those of our common shareholders. We have supported a portion of our growth through the issuance of subordinated notes.
- Acquisitions may disrupt our business and dilute shareholder value.