Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. freshman Avg
|
New words:
audited, burden, call, conclusion, decision, delist, delisting, deregister, LLC, Nasdaq, notified, OTCQX, outweigh, recapture, supervisory, voluntary, website
Removed:
attributable, declining, exercised, Finally, largely, putable, rated, remained, stable
Financial report summary
?Risks
- Our business may be adversely affected by credit risk associated with residential property.
- Greater seasoning of our loan portfolio could result in credit defaults in the future.
- Our business may be adversely affected by downturns in the national economy and economic conditions in our market area which could reduce demand for our products and services and/or result in increases in our level of non-performing loans, which could adversely affect our operations, financial condition and earnings.
- Our small size makes it more difficult for us to compete.
- Future expansion may negatively impact our earnings.
- The loss of any one of our senior executive officers could hurt our operations.
- We are subject to interest rate risk which could reduce our profitability and affect the value of our assets.
- Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
- Strong competition within our market area may limit our growth and profitability.
- Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio.
- A new accounting standard may require us to increase our allowance for loan losses and may have a material adverse effect on our financial condition and results of operations.
- Impairment of our investment securities could require charges to earnings, which could result in a negative impact on our results of operations.
- Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
- We continually encounter technological change, and we may have fewer resources than our competitors to continue to invest in technological improvements.
- We rely on other companies to provide key components of our business infrastructure.
- We are subject to certain risks in connection with our use of technology.
- Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
- We are subject to environmental liability risk associated with lending activities or properties we own.