Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
H.S. freshman Bad
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New words:
advertising, Bay, begun, bring, brought, BTFP, condominium, created, decision, deferral, entity, facilitate, FASB, GAAP, granted, impeded, Mississippi, municipal, par, penalty, permitted, prohibited, ratio, reconciliation, reduced, removal, removed, Response, restriction, retrospective, separate, Simplification, St, Unencumbered, unsecured, whichever
Removed:
acquisition, Additionally, affecting, apply, base, briefly, closed, compensation, disclose, discontinued, distinction, eligible, eliminated, employee, enhancing, expansion, Friendswood, Interbank, internationally, layer, LIBOR, London, merger, multiple, Offered, originated, pandemic, performing, potion, prepayable, prospective, refinancing, renamed, restructured, scope, Subtopic, TDR, transition, troubled, Vintage
Financial report summary
?Risks
- There are increased risks involved with commercial real estate, including multi-family residential, commercial and industrial and construction and land lending activities.
- Changes in interest rates could have a material adverse effect on our operations.
- Fluctuations in interest rates due to economic conditions and governmental or regulatory policies may adversely affect our net interest income and profitability.
- Our business is geographically concentrated in south Louisiana, southeast Texas and west Mississippi, which are areas where the oil and gas industry has a significant presence. Reductions in prices in crude oil and gas, among other factors, could cause a downturn in the local economy, which could adversely affect the Company’s financial condition and results of operations.
- A natural disaster, especially one affecting our market areas, could adversely affect the Company’s financial condition and results of operations.
- Economic conditions could result in increases in our level of non-performing loans and/or reduce demand for our products and services, which could have an adverse effect on our results of operations.
- Our allowance for credit losses may not be adequate to cover losses over the life of our financial assets.
- Our decisions regarding the fair value of assets acquired could be inaccurate, which could materially and adversely affect our business, financial condition, results of operations and future prospects.
- Declines in the value of our investment securities may require us to take additional charges to earnings.
- The fair value of our investment securities can fluctuate due to factors outside of our control.
- Changes in accounting policies or in accounting standards could materially affect how we report our financial condition and results of operations.
- We are subject to certain risks in connection with our strategy of growing through mergers and acquisitions.
- Our financial performance and future growth may be negatively affected if we are unable to successfully execute our growth plans, which may include additional acquisitions.
- A failure in our operational systems or infrastructure, or those of third parties, could impair our liquidity, disrupt our businesses, result in the unauthorized disclosure of confidential information, damage our reputation and cause financial losses.
- System failure or cybersecurity breaches of our network security could subject us to increased operating costs as well as litigation and other potential losses.
- We are dependent on our information technology and telecommunications systems and third-party service providers; systems failures, interruptions and cybersecurity breaches could have a material adverse effect on us.
- The occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents could have a material adverse effect on our business, financial condition, results of operations and growth prospects.
- We face strong competition which adversely affects our profitability.
- We operate in a highly regulated environment, and we may be adversely affected by changes in laws and regulations.
- Financial challenges at other banking institutions could lead to disruptive and destabilizing deposit outflows, as well as an increase in FDIC deposit premiums, which could negatively impact our profitability and results of operations.
- MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
- CRITICAL ACCOUNTING ESTIMATES
- Loans, Allowance for Credit Losses and Asset Quality
- Federal Home Loan Bank Advances
- Provision for Loan Losses
- LIQUIDITY AND CAPITAL RESOURCES
- ASSET/ LIABILITY MANAGEMENT AND MARKET RISK