Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
8th grade Avg
|
New words:
arrangement, awaiting, Beacon, building, Codification, cybersecurity, director, disaggregation, entity, February, force, furniture, land, lose, nearest, November, October, open, paydown, processing, profit, prohibited, prospectively, reconciliation, redomiciled, regularly, removal, retroactive, SEC, shift, thirteen
Removed:
actuarial, applied, arise, auto, cancellable, CECL, center, CME, collectability, collecting, component, contracted, criticized, DCF, dealership, derived, difficult, econometric, environmental, evaluate, examination, exclude, excluded, existed, exposed, external, Facility, factor, fewer, fourteen, guarantor, highly, homeowner, impaired, inability, inflationary, introduced, knowledge, large, layoff, lead, LIBOR, likelihood, measuring, MHC, mix, modified, national, nonvested, obligation, past, pooling, publicized, reaction, received, reduced, referred, rent, repayment, replaced, retrospective, reversion, scope, seeking, settled, shopping, standard, Subtopic, support, supportable, trade, troubled, unconditionally, underwriting, unemployment, unfavorable, unrecognized, update, utilization, vary, Vintage, withdrew, workforce
Financial report summary
?Risks
- Changes in interest rates may reduce our profits.
- Our automobile lending exposes us to increased credit risks.
- Our emphasis on commercial real estate and commercial business lending involves risks that could adversely affect our financial condition and results of operations.
- Our allowance for credit losses may not be sufficient to cover actual loan losses.
- Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
- Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
- Changes in accounting standards could affect reported earnings.
- We are subject to more stringent capital requirements, which may adversely impact our return on equity, or constrain us from paying dividends or repurchasing shares.
- Systems failures or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
- Our cost of operations is high relative to our assets. Our failure to maintain or reduce our operating expenses may reduce our profits.
- Changes in the valuation of our securities portfolio may reduce our profits and our capital levels.
- Strong competition within our market area may reduce our profits and slow growth.
- The value of our goodwill may decline in the future.
- Our success depends on retaining certain key personnel.
- Changes in management’s estimates and assumptions may have a material impact on our consolidated financial statements and our financial condition or operating results.
- Our risk management framework may not be effective in mitigating risk and reducing the potential for significant losses.
- We may not pay any dividends on our common stock.
- Our common stock is not heavily traded, and the stock price may fluctuate significantly.
- Persons who have purchased stock will own a minority of the Company’s common stock and will not be able to exercise voting control over most matters put to a vote of stockholders.
- The Company’s Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover.
- We are an emerging growth company, and if we elect to comply only with the reduced reporting and disclosure requirements applicable to emerging growth companies, our common stock may be less attractive to investors.