Bay Banks of Virginia 10K 2003 Annual report | BAYK Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	7th grade Avg

New words: absorb, accumulated, actuary, adding, administer, administered, advanced, advisor, age, ALCO, alternative, America, analyzed, antidilutive, APB, appointed, approximate, approximated, approximately, approximating, array, assumption, assurance, assure, Atlanta, attained, attention, attorney, auction, avoid, Box, branch, building, call, calling, capacity, case, cautioned, center, chargeable, chart, civil, climate, collect, collectibility, collection, collectively, commitment, committed, committing, Companywide, comparable, comparative, compared, comparison, composition, comprehensive, comprehensively, compression, comprised, comprising, concentration, Condensed, conform, conformity, conjunction, consecutive, consecutively, consideration, constitute, consultation, consulting, contract, contractual, conventional, Conversely, copied, core, coupled, CPA, creation, Critical, critically, daily, decided, decision, degree, delay, demonstrated, depreciation, derivative, directly, director, discretion, discretionary, distinguish, divided, dollar, drawn, duration, earlier, efficient, EITF, electronically, eligibility, eligible, embedded, Emerging, Employeesand, enter, entered, entitled, equipment, ESOP, essential, essentially, event, evidence, evolve, excluded, exercisable, exercise, existed, existing, expertise, expiration, expire, expired, explicitly, exposure, expressed, extend, extending, factor, Failure, fall, falling, FASB, fee, filled, FIN, fled, force, foreclosure, forfeited, Fortunately, framework, franchise, frequently, furniture, GAAP, gain, gap, goodwill, guarantor, guidance, hampered, heavily, heavy, hedging, housing, immaterial, imprudently, inception, Indirect, inflation, instrument, insulate, intercompany, Internet, interpretation, interpretive, interval, intrinsic, issuance, judgment, key, lack, large, largely, liability, lieu, life, long, magnitude, maintenance, mandatory, maximize, maximum, measured, measurement, met, million, minimal, minimize, misstatement, mitigated, mix, model, modest, modified, monetary, move, municipal, narrative, negative, network, ninety, nominal, noncontributory, nonperformance, nontaxable, notification, observable, occupancy, offset, ongoing, ort, outperformed, overdraft, passively, payable, payment, pension, percentage, persisted, pertaining, pledged, policy, political, post, postretirement, prepayment, prescribed, prevailing, prompt, proportion, question, quoted, rapid, rapidly, reached, read, realignment, realizable, realized, reclassification, reclassified, recognition, reconciliation, recover, recoverability, recovering, redeemable, rehabilitation, relieving, remain, remaining, renovation, represent, represented, reputation, residual, revenue, revised, revision, ROA, ROE, Room, sacrificing, salary, satisfy, settle, settled, settlement, shareholder, sheet, shorten, site, slope, software, source, South, speak, sponsor, standby, strategy, strength, study, successful, support, supporting, susceptible, sustained, targeted, temporary, terminate, termination, toCapital, transaction, transition, trend, Trustee, ultimate, unaudited, uncertain, uncollectible, Unconsolidated, understand, undertaken, undiscounted, undue, unfunded, unidentifiable, uniform, unqualified, unrealized, unused, utilized, valuable, version, vested, vesting, violation, virtually, volatility, voluntarily, web, weekly, writing

Removed: check, Computation, delinquent, effort, Employer, Exhibit, filing, found, influenced, inventory, knowledge, mark, month, OREO, par, proportionately, refer, reversed, shorter, statewide, subsequently

Bay Banks of Virginia (BAYK) 10-K2003 FY Annual report

Content analysis