Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. sophomore Avg
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New words:
advertising, disposition, eventually, month, postage, predominantly, prime, removal, reoccur, resumption, snow, travel, virtually
Removed:
agency, April, computing, payroll, percentage, volume
Financial report summary
?Risks
- Changes in interest rates could negatively impact the Company’s results of operations
- Allowance for loan losses may be insufficient
- Changes in energy and natural resource markets may increase credit risk in the loan portfolio
- Regional economic changes in the Company’s markets could adversely impact results from operations
- Concentration of commercial real estate and commercial business loans may increase credit risk in the loan portfolio
- Extensive regulation and supervision
- Dividend payments by subsidiaries to Premier and by Premier to its shareholders can be restricted.
- The Company’s expenses will increase as a result of increases in FDIC insurance premiums.
- Additional capital may not be available when needed or required by regulatory authorities
- If a subsidiary bank’s current capital ratios decline below the regulatory threshold for an “adequately capitalized” institution, the bank will be considered “undercapitalized” which may have a material and adverse effect on Premier.
- Strong competition within the Company’s market areas may limit profitability
- Loss of large checking and money market deposit customers could increase cost of funds and have a negative effect on results of operations
- Claims and litigation pertaining to fiduciary responsibility
- Integration of current and future acquisitions may be more difficult than anticipated
- Transition from London InterBank Offering Rate (“LIBOR”) as a floating rate index to a substitute could adversely affect financial markets generally.
- New or revised tax, accounting and other laws, regulations, rules and standards could significantly impact strategic initiatives, results of operations and financial condition
- Unauthorized disclosure of sensitive or confidential customer information and cyber-security breaches could severely harm the Company’s reputation and have a negative effect on results of operations.
- The extended disruption of vital infrastructure could negatively impact the Company’s results of operations and financial condition
- Defaults by another larger financial institution could adversely affect financial markets generally.
- Market volatility may adversely affect market price of common stock or investment security values
- Inability to hire and retain qualified employees
- Great Britain’s exit from the European Union (“Brexit”) could adversely affect financial markets generally.
- Issuance of preferred shares would impact net income available to common stockholders
- Future issuances of common shares or other securities may dilute the value of outstanding common shares, which may also adversely affect their market price