Risk Factors Update Summary
- A significant portion of the loan portfolio is secured by real estate, which could negatively impact the quality of loans. This could result in substantial credit losses.
- Heightened interest rates and inflation may impact clients' ability to repay loans due to rising costs of goods and services.
- Increased regulatory scrutiny may lead to higher compliance costs and reduced profitability, especially post $10 billion in total consolidated assets.
Full Text Changes in Most Recent 10-K
Intended use: review the highlighted statements. These are additions to the risk factors disclosure in the most recent 10-K filing compared to the previous 10-K filing. Deleted and moved text is less important and is shown for context.
To view the full company filings, click on the following link to be taken to the SEC EDGAR database landing page for the company: https://www.sec.gov/edgar/browse/?CIK=1475841&owner=exclude
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