DCB Financial 10K 2012 Annual report | DCBF Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Bad

New words: absolute, absorb, accretion, accrual, accumulated, accuracy, accurately, adding, administered, advance, Advertising, advisory, aforementioned, age, aged, America, analyze, analyzed, analyzing, anunwarranted, apparent, applied, applying, ASU, attempt, attempted, attract, augmented, automatically, avoiding, back, backed, backup, bad, balloon, Basic, basically, begun, behavior, benchmark, beneficiary, bid, Black, blanket, book, breach, brought, building, Bulletin, Bureau, buy, call, calling, cap, case, cast, certificate, characterized, Cincinnati, circumstance, classification, claw, clearing, client, closure, Codification, Comparison, component, composition, comprehensive, concentration, concession, condensed, confidence, confidential, confirmed, conform, conformity, conjunction, consecutive, consist, consisted, consistent, contemplating, converged, converting, correlated, corroborated, coupled, created, creating, custodied, daily, debit, deemed, deficiency, deleveraging, depicted, depicting, depleted, depreciation, depressed, derive, derived, description, deviate, devoted, difficulty, diminished, direct, discount, discounted, discretionary, distinct, diversification, diversify, downgrade, dramatically, drawn, driven, duration, ease, eliminated, enacted, enactment, encompassed, entity, equal, equaled, estimate, estimated, estimating, evidence, exact, exceeded, exceeding, exit, experience, expiration, expire, expressed, expressing, extremely, face, factor, factoring, fairly, fall, fared, FASB, faster, favorability, favorable, favorably, feasible, February, fee, fewer, FHLMC, FNMA, focused, focusing, footnote, forbearance, forced, foreclose, foreclosed, foreclosure, foreseeable, forfeited, forward, franchise, fully, fundamental, furniture, GAAP, gain, global, GNMA, great, growing, guarantor, guidance, hand, hereinafter, hierarchy, housing, IASB, identical, illustrated, immaterial, implied, improbable, inclusive, incorrect, increasingly, indirectly, inflation, influenced, infrastructure, infrequent, inoperable, insufficient, interchange, intercompany, interrelated, investor, IRS, issuable, ix, jeopardize, jurisdiction, lack, leasehold, leaving, lender, length, lesser, letter, leverage, leveraged, lieu, likelihood, line, low, LQR, mandatory, match, matched, mathematical, matrix, maximize, member, membership, memorandum, Mention, mentioned, merge, met, method, metropolitan, misstatement, model, modeling, moderate, moderately, Modernization, modification, month, MOU, NE, necessarily, newly, ninety, noncredit, noninterest, nonperforming, nonrecurring, nonresidential, nonvested, notification, NPV, Obama, obligor, observable, occupancy, occur, occurred, occurrence, occurring, offset, orderly, OTC, outgoing, overnight, pace, parallel, PARENT, partial, partially, payable, payoff, percentage, plagued, plant, pledge, pledged, pooled, pose, preclude, predetermined, premium, prepaid, preparation, prepare, prepared, prepay, prevailing, prevalent, produce, producing, professional, profile, prohibiting, project, projected, proportion, proportionately, protracted, prove, qualitative, quantitative, quickly, quoted, rapidly, rarely, read, realization, realize, realized, realizing, rebounded, receipt, recession, recipient, reclassification, reclassified, recognize, recognized, recognizing, recover, recoverable, recovery, recurring, redeem, redeemable, redemption, refinance, refinanced, refinancing, refunded, regularly, relevant, reliance, remeasurement, renewed, renewing, repossession, repricing, requisite, resolution, restoration, restore, Restructure, restructured, restructuring, retrospectively, return, returned, returning, reversed, revolving, risen, riskier, robust, Room, salary, secondarily, secondary, sector, segment, sell, selling, sensitive, sensitivity, separate, separately, serving, settle, settled, settlement, sheet, situation, size, social, sooner, spending, stable, standby, statistical, store, straight, stricter, strong, stronger, subordinated, subprime, substandard, substituting, summarize, summarized, summary, supplement, supplemental, supply, surrender, susceptible, tangible, TDR, technical, technique, technology, temporarily, test, text, thereto, thirty, threatened, threshold, Tier, Topic, transparency, twelve, unable, unamortized, unauthorized, uncertain, uncertainty, unchanged, Uncollectability, uncollectable, uncollectibility, uncollectible, unconfirmed, understanding, undertaken, underway, underwritten, undistributed, undue, unearned, unexpected, unhedged, uniformly, unobservable, unpaid, unprecedented, unrealized, unrecognized, unrelated, Unusual, unwarranted, variance, varying, verified, vi, vii, viii, volatility, volume, voluntary, vulnerable, warrant, warranted, window, withdrawal, withdrawn, word, work, working, worth, writing

Removed: Appendix, attached, authorized, behalf, bond, civil, Dated, declining, donald, duly, edward, Exhibit, expertise, extensively, gerald, imposition, Incorporation, john, kremer, led, mitigation, pressured, registrar, regulated, response, satisfy, steady, thereunto, undersigned, underwrite, ustaszewski, validate, vicki, weakening, Whitney

DCB Financial (DCBF) Inactive 10-K2012 FY Annual report

Content analysis