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Financial report summary
?Risks
- Changes in interest rates and monetary policy could adversely affect our profitability.
- Our cost of funds may increase as a result of general economic conditions, interest rates and competitive pressures.
- Our investment securities portfolio could decline in value as a result of interest rate changes and changes in issuer credit quality or the strength of the associated collateral.
- A lack of liquidity could impair our ability to fund our business and thereby adversely affect our financial condition and results of operations.
- Changes in the method pursuant to which benchmark rates are determined, as well as the discontinuance and replacement of reference rates, could adversely impact our business and results of operations.
- The mismanagement of our credit risks could result in serious harm to our business.
- Deteriorating credit quality in our credit card portfolio may adversely impact us.
- We may not maintain an appropriate allowance for credit losses.
- We rely on the mortgage secondary market from time to time to provide liquidity.
- Sales of our loans are subject to a variety of risks.
- Loans made through federal programs are dependent on the federal government’s continuation and support of these programs and on our compliance with program requirements.
- Significant portions of our loan portfolio include commercial real estate, construction and development, and commercial and industrial loans, each of which presents heightened lending risks.
- In the event we are required to foreclose on a loan secured by real estate, we may not be able to realize the value of that real estate as indicated in any independent appraisals upon which we relied in extending the loan.
- Our business, financial condition, and results of operations could be adversely affected by developments impacting the financial services industry, such as recent bank failures or concerns involving liquidity.
- Our business may be adversely affected by conditions in the financial markets and general economic conditions.
- Continued inflationary pressures could increase our costs (and the costs of our borrowers) and otherwise negatively impact our business.
- Our concentration of banking activities in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas, including our real estate loan portfolio, makes us more vulnerable to adverse conditions in the particular local markets in which we operate.
- We face strong competition from other banks, bank holding companies, and financial services companies.
- Changes in service delivery channels and emerging technologies pose a competitive risk.
- Our growth and expansion strategy may not be successful, and our market value and profitability may suffer.
- The value of our goodwill and other intangible assets may decline in the future.
- Damage to our reputation could significantly harm our business.
- If we are unsuccessful in developing new, and adapting our current, products and services so that they respond to changing industry standards and customer preferences, our business may suffer.
- Our models and estimations may be inadequate, which could lead to significant losses and regulatory scrutiny.
- We may not be able to raise the additional capital we need to grow and, as a result, our ability to expand our operations could be materially impaired.
- Our business is heavily reliant on information technology systems, facilities, and processes; and a disruption in those systems, facilities, and processes, or a breach, including cyber-attacks, in the security of our systems, could have significant, negative impact on our business, result in the disclosure of confidential information, and create significant financial and legal exposure for us.
- We depend on qualified employees and key personnel to operate and lead our business, and we may not be able to attract or retain them in the future.
- Our business is heavily reliant on a variety of third-party service providers.
- Our controls, policies and procedures may fail, or our employees may not adhere to them.
- Errors or mistakes in the provision of services to our customers or in carrying out our own transactions can subject us to liability, result in losses, or otherwise negatively impact our business.
- Accounting standards periodically change, and the application of our accounting policies and methods may require management to make estimates about matters that are uncertain.
- Financial legislative and regulatory initiatives could adversely affect the results of our operations.
- Our failure to comply with applicable banking laws and regulations could result in significant monetary penalties and losses, restrict our ability to execute our growth strategy, and have other material adverse impacts on our business.
- We may incur environmental liabilities with respect to properties to which we take title.
- We may be subject to allegations of intellectual property infringement or may fail to effectively protect our own intellectual property rights.
- The holders of our subordinated notes and subordinated debentures have rights that are senior to those of our common shareholders. If we defer payments of interest on our outstanding subordinated debentures or if certain defaults relating to those debentures occur, we will be prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.
- We may be unable to, or choose not to, pay dividends on our common stock.
- There may be future sales of additional common stock or preferred stock or other dilution of our equity, which may adversely affect the value of our common stock.
- Shares of our common stock, as well as our other securities, are not insured deposits and may lose value.
- Anti-takeover provisions could negatively impact our shareholders.
- Our management has broad discretion over the use of proceeds from future stock offerings.
- Our recent results do not indicate our future results and may not provide guidance to assess the risk of an investment in our common stock.
- Weather-related events or natural or man-made disasters could cause a disruption in our business or have other effects which could adversely impact our financial condition and results of operations.