Content analysis
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H.S. sophomore Avg
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New words:
AAA, abandonment, ACL, AFS, agile, appointed, artificial, asserted, Bimonthly, blockchain, broken, budget, CAT, Certified, CFO, clerical, conducive, consecutive, content, curtailment, DCF, debenture, defective, deflation, dissolution, dissolved, distinctly, downgrade, easier, electrical, employed, engineering, enterprise, eroded, escrow, eventual, eventually, excise, exhibit, explicit, false, falsified, faulty, FFIEC, fit, genuine, Handbook, honored, HTM, hurt, hygiene, impede, impersonate, impersonation, indemnification, inhibiting, instruction, intelligence, IRA, ISO, Israel, Johnson, junior, justify, kiting, learning, LGD, licensing, machine, malfeasance, mark, mathematical, mechanical, merit, mimic, morale, movement, Narrowing, nimble, NSF, Oct, pairing, partially, PCD, PD, perpetrate, properly, ranked, readily, recalculation, redemption, refresh, reliability, reliable, repeatable, Republic, resetting, reside, Resilience, SA, SBS, Silicon, slower, staggered, steady, steal, Stephen, stolen, strata, streamline, study, subset, suitable, thereon, unavailable, unavoidable, unchanged, unconditionally, undrawn, unique, unqualified, unwind, Valley, virtue, worsen, wrong
Removed:
accretive, acquirer, aftermath, aggressively, ALLL, analyzed, arose, Ashwaubenon, assumption, assured, attestation, bifurcated, brought, captioned, cease, center, Chairman, clearing, cloud, concession, constrained, convention, convertible, daily, decided, declaration, defaulted, defend, deferral, delated, delayed, depleted, depreciable, depth, disbursed, discontinue, discounting, distraction, divorce, duration, elimination, endpoint, essential, estimable, exacerbated, executed, exercise, expanded, extinguishment, falling, half, handled, hosting, inform, inject, intellectual, interim, interrelated, interrupted, introduce, job, jumbo, liquidated, lnteragency, lodging, mixed, modest, modification, necessitate, parachute, perception, pertinent, PFLL, profitable, recast, reclassification, recover, recreational, refinanced, repossessed, rewrite, Ridge, Road, saving, speaker, sponsored, spurred, standing, subtopic, sufficiency, suspended, TDR, Timberwood, tranche, turmoil, twenty, unrelated, unsuccessful, warehouse, web, WI, world
Financial report summary
?Risks
- Difficult or volatile conditions in the national financial markets, and the U.S. economy generally, may adversely affect our lending activity or other businesses, as well as our financial condition.
- Our future success is largely dependent upon our ability to successfully execute our business strategy.
- We depend on our executive officers and other key individuals to continue the implementation of our long-term business strategy and could be harmed by the loss of their services and our inability to make up for such loss with qualified replacements.
- The success of our operating model depends on our ability to attract and retain talented bankers and associates in each of our markets.
- Acquisitions may disrupt our business and dilute stockholder value, and integrating acquired companies may be more difficult, costly, or time-consuming than we expect.
- System failure or breaches of our network security, or the security of our third-party data processing partner, including as a result of cyberattacks or data security breaches, could subject us to increased operating costs as well as litigation and other liabilities.
- We are subject to certain operational risks, including, but not limited to, client or employee fraud and data processing system failures and errors.
- We rely on other companies to provide key components of our business infrastructure.
- Changes in accounting standards could materially impact our financial statements.
- Federal regulatory agencies, including the Federal Reserve and the OCC, periodically conduct examinations of our business, including for compliance with laws and regulations, and our failure to comply with any supervisory actions to which we are or become subject as a result of such examinations may adversely affect our business.
- The Company may be subject to more stringent capital requirements.
- Our deposit insurance premiums could be substantially higher in the future, which could have a material adverse effect on our future earnings.
- We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.