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Legalese | ||
Litigous | ||
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H.S. sophomore Avg
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New words:
abandoned, abandonment, aboveground, abroad, accomplish, ACH, ACL, ADA, advocacy, Africa, AICPA, Amerisure, Analyst, anniversary, ARCC, ARRC, attain, attend, attendance, attended, Austin, Automated, autonomy, background, backlog, BancSystem, bankable, bar, Bee, Berkshire, Biden, Bill, billed, binding, BlackRock, Blvd, Brannen, bullying, burdensome, Busey, CAA, Campaign, candidate, casino, cast, Casualty, Cave, CCO, Certified, CFO, chain, circumstance, CIS, clause, claw, club, COBRA, College, Columbia, column, comfort, Commerce, Commissioner, Commonwealth, conflict, consummated, consummation, contest, contrary, convened, conviction, COO, coordinated, coordination, COVID, CPA, CRO, CVB, cybersecurity, Daniel, decree, Deere, Deloitte, Delta, dental, deployment, Deputy, deserve, Dimensional, diminution, disability, disabled, discharging, dishonest, dishonesty, disinterested, disqualification, dissatisfaction, dissolution, Double, dual, East, endorse, engineering, escheat, escheated, escheatment, ESG, ethical, euro, Europe, everyday, expert, explicitly, exploit, EY, FBL, FCA, feedback, felony, FFCRA, FIBK, fill, Fish, fleet, FLMI, footnote, Forestry, foster, franc, friendly, FVO, Game, gateway, geared, gender, gift, Glacier, Globe, golden, grandfathered, granular, Grieb, grossed, guilty, handicapped, handle, harassment, Heartland, Henning, Hormel, hotline, household, implicitly, imprudent, incumbent, indefinitely, infection, influential, inside, insider, insight, instill, intentionally, interfere, intranet, Israel, Japan, Japanese, job, kind, knowingly, Lacy, lapse, Lastly, launch, leader, leave, lifted, lineup, lockbox, lowest, LP, LTI, lump, Macquarie, mailing, Malvern, Manual, Martin, MDOB, median, medical, Medicare, memorandum, mentoring, Meredith, metric, Midland, mindful, misuse, modernize, monetization, Montana, moral, MRC, multiplier, multiplying, NASDAQ, NBT, Nelnet, NEO, nominee, noncredit, nonqualified, NY, official, omitted, orientation, outgoing, outpacing, outset, Overland, overlapping, overview, overwhelming, PA, parachute, paragraph, partnership, PCD, PCI, Pella, pendency, philosophy, phishing, play, plea, pledger, populated, population, precondition, predicated, printing, profession, PSU, PTPP, quantification, questionable, Raven, reaction, rebranded, reinforcing, reinstate, relaxed, remote, remotely, rendered, repeated, requisite, resignation, restraint, revert, Road, rollout, ROTA, RSU, salary, salvage, sample, satisfaction, Secretary, send, sentence, ServisFirst, session, sexual, shop, sick, situational, Society, SOFR, specialty, Spot, spouse, stakeholder, Stephen, sterling, STI, surge, sweep, Switzerland, Sydney, synthetic, tenant, therefrom, thoughtfully, tied, timeframe, Tippe, Topeka, Treasurer, TriState, Trustmark, tuition, turpitude, TX, UK, unanimously, unclaimed, unconditionally, uncorrected, underground, underpinning, undertook, undetermined, unethical, unintentional, unredeemed, unrest, unspecified, unused, upgraded, uptick, vacant, vaccinated, vaccination, Vaccine, valuable, Vanguard, variant, vehicle, viewpoint, vision, voluntary, volunteerism, waiting, waived, Watson, weekly, welfare, Whistleblower, wind, wisdom, withheld, women, workplace, WTW, yen, younger, zoning
Removed:
accreting, aging, ALLL, ancillary, averaging, benchmarked, broker, bucket, Canada, characteristic, China, closest, commencing, comparability, comparing, composed, composite, conclude, concluding, condensed, consistency, Conversely, conveyed, countercyclical, delinquency, eastern, exceeding, excel, faced, Fargo, Firstar, formalized, freight, geographically, GWBCI, illustrated, incorporate, indemnified, intensified, IRA, joining, judged, leasing, Mexico, negligible, nonaccretable, nonaccruing, opening, opportunistically, predecessor, predicting, preliminary, profitably, prominent, reassessed, recaptured, reclassification, repeatedly, retaliation, revaluation, revalue, revaluing, revise, roll, rollforward, sponsorship, statistical, stranded, Subtopic, surcharge, timelier, translating, transparency, transport, unaudited, understandability, Unearned, unknown, verify, Visa
Financial report summary
?Competition
FintechRisks
- Because the market price of First Interstate BancSystem, Inc. Class A common stock may fluctuate, holders of our common stock cannot be certain of the market value of the merger consideration they will receive in the merger.
- The market price of First Interstate Class A common stock after the merger may be affected by factors different from those affecting the shares of our common stock currently.
- We and First Interstate are expected to incur significant costs related to the merger and integration.
- Combining First Interstate and Great Western may be more difficult, costly or time consuming than expected and we and First Interstate may fail to realize the anticipated benefits of the merger.
- The future results of the surviving corporation following the merger may suffer if the surviving corporation does not effectively manage its expanded operations.
- The surviving corporation may be unable to retain our or First Interstate personnel successfully while the merger is pending or after the merger is completed.
- The COVID-19 pandemic may delay and adversely affect the completion of the merger.
- Regulatory approvals may not be received, may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on the surviving corporation following the merger.
- The merger agreement may be terminated in accordance with its terms and the merger may not be completed, which could negatively affect us.
- We will be subject to business uncertainties and contractual restrictions while the merger is pending.
- The shares of First Interstate Class A common stock to be received by holders of our common stock as a result of the merger will have different rights from the shares of our common stock.
- Holders of our common stock will have a reduced ownership and voting interest in the surviving corporation after the merger and will exercise less influence over management.
- Litigation related to the merger could prevent or delay completion of the merger or otherwise negatively affect our and First Interstate’s businesses and operations.
- The merger agreement limits our ability to pursue alternatives to the merger and may discourage other companies from trying to acquire us.
- The merger will not be completed unless important conditions are satisfied or waived, including approval of the merger agreement by our stockholders and approval of the merger agreement and the First Interstate articles amendment by First Interstate shareholders.
- The outbreak of the COVID-19 pandemic has caused a significant global economic downturn which has adversely affected, and is expected to continue to adversely affect, our business and results of operations, and the future impacts of the COVID-19 pandemic on the global economy and our business, results of operations, liquidity and financial condition remain uncertain.
- Economic conditions have affected and could continue to adversely affect our revenues and profits.
- Increases in FDIC insurance premiums may adversely affect our earnings.
- We focus on originating commercial and agricultural loans which may involve greater risk than residential mortgage lending.
- Our business is significantly dependent on the real estate markets where we operate, as a significant portion of our loan portfolio is secured by real estate.
- Our business depends on our ability to successfully manage credit risk.
- If our actual loan losses exceed our allowance for credit losses, our net income will decrease.
- We are subject to environmental liability risk associated with our Bank branches and any real estate collateral we acquire upon foreclosure.
- Failure to comply with mortgage loan servicing standards, guidelines, laws and regulations, including the CARES Act, may result in substantial penalties, additional costs or losses.
- We rely on the mortgage secondary market for some of our liquidity.
- We are subject to a variety of risks in connection with any sale of loans we may conduct.
- Uncertainty relating to LIBOR calculation process and phasing out of LIBOR may adversely affect us.
- Loans that we make through certain federal programs, including under the Paycheck Protection Program, are dependent on the federal government’s continuation and support of these programs and on our compliance with their requirements.
- We depend on the accuracy and completeness of information about customers and counterparties.
- COVID-19 could have negative effects on our hospitality and CRE loans, including loans to hotels, restaurants and health care facilities, which are dependent for repayment on the successful operation and management of the CRE, the strength of the CRE industry broadly and other factors outside of the borrower’s control.
- The value of securities in our investment portfolio may decline in the future.
- Our ability to declare and pay dividends is subject to additional regulatory restrictions and we may not pay dividends on our common stock in the future.
- We may not be able to report our financial results accurately and timely as a publicly listed company if we fail to maintain an effective system of disclosure controls and procedures and internal control over financial reporting.
- We may need to raise additional capital in the future, and such capital may not be available when needed or at all.
- Future issues or sales of our capital stock in the public market could lower our stock price, and any additional capital raised by us through the sale of equity or convertible securities may dilute the ownership interests of our stockholders.
- Certain banking laws and certain provisions of our certificate of incorporation may have an anti-takeover effect which could limit our stock price.
- We are required to act as a source of financial and managerial strength for our Bank in times of stress.
- We may be subject to more stringent capital requirements in the future.
- We may not be able to successfully execute our strategic plan or manage our growth.
- We may be adversely affected by risks associated with completed and potential acquisitions.
- Our ability to maintain, attract and retain customer relationships is highly dependent on our reputation.
- Changes in our accounting policies or in accounting standards could materially affect how we report our financial condition or results of operations.
- Our accounting estimates and risk management processes rely on analytical and forecasting techniques.
- We may be adversely affected by changes in the actual or perceived soundness or condition of other financial institutions.
- Operational risks are inherent in our business, including existing and new lines of business, products and services; and internal controls, processes and procedures that may fail or be circumvented.
- Our operations could be interrupted if certain external vendors on which we rely experience difficulty, terminate their services or fail to comply with banking laws and regulations.
- We are subject to risks related to employee management, conduct and compensation.
- We rely extensively on models in managing many aspects of our business, and these models may be inaccurate or misinterpreted.
- Increasing scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.
- Litigation and regulatory actions, including possible enforcement actions, could subject us to significant fines, penalties, judgments or other requirements resulting in increased expenses or restrictions on our business activities.
- The banking industry is highly regulated, and the regulatory framework, together with any future legislative or regulatory changes, may have a significant adverse effect on our business, financial condition or results of operations.
- We are subject to heightened regulatory requirements as our total assets exceed $10 billion.
- We are subject to the CRA, fair lending, consumer compliance, and other laws and regulations, and our failure to comply with these laws and regulations could lead to material penalties.
- Failure to comply with the USA PATRIOT ACT, OFAC, the BSA and related FinCEN and FFIEC Guidelines and regulations could result in material implications.
- Regulations relating to privacy, information security and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.
- Interruptions, cyber-attacks or other security breaches could have a material adverse effect on our business.
- We continually encounter technological change.
- We are subject to escheatment laws and regulations which could have a material impact on our operations.
- Severe weather, natural disasters, acts of war or terrorism or other external events could significantly impact our business.
- We may have exposure to tax liabilities that are larger than we anticipate.