Content analysis
?Positive | ||
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Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
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H.S. freshman Avg
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New words:
aftermath, agreement, apportionment, BEFD, bolster, certificate, Chief, closure, Codification, compression, Comptroller, confidence, contractor, copy, created, Currency, customary, decision, Department, depositor, destabilize, destabilizing, diminished, disruption, disruptive, drove, DSC, eliminated, entered, factor, fallback, forma, furnish, half, joint, lack, median, merge, merger, NASDAQ, Notwithstanding, outsized, pertaining, prepaid, President, pro, prolonged, proposed, public, quickly, readily, receivership, Republic, request, Richmond, satisfaction, shareholder, SHBI, Shore, Signature, Silicon, subset, Sunset, swap, system, TCFC, unable, unanimously, uninsured, Valley, withdrawal, xxiii
Removed:
accretable, ALLL, approach, assuming, beginning, care, carryover, clarify, composed, concurrently, County, derivative, detailed, disaggregated, eligible, FMV, fraud, Freddie, headcount, health, imposition, incident, irrevocably, isolated, lifting, lock, Mac, movement, nonaccretable, opening, PCD, PCI, permitted, perspective, predominantly, processing, recast, reclassification, referred, release, robust, scope, secondary, single, subjected, timing, transferred, travel, ultimately, unamortized, wire
Financial report summary
?Risks
- Financial challenges at other banking institutions could lead to depositor concerns that spread within the banking industry causing disruptive and destabilizing deposit outflows.
- Our FDIC deposit insurance premiums and assessments may increase, which would reduce our profitability.
- Insufficient liquidity could impair our ability to fund operations and jeopardize our financial condition, growth and prospects.