Item 1A. Risk Factors
Item 1A. “RISK FACTORS”
in the Company’s Annual Report
on Form 10-K for the year ended December 31, 2021,
which could materially affect our business, financial condition
or future results. The risks described in our annual report on
Form 10-K are not the only the risks facing our Company.
Increases in inflation and the resulting tightening of Federal
Reserve monetary policy by increased target interest rates, has and is expected
to continue to affect mortgage originations
and income and the market values of our securities portfolio.
These could also affect our deposit, costs and
mixes, and
change consumer savings and payment behaviors.
Additional risks and uncertainties not currently known to us or that we
currently deem to be immaterial also may materially adversely affect our
business, financial condition, and/or operating
results in the future.
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