A significant portion of our assets consists of investment securities, which generally have lower yields than loans, and we classify a significant portion of our investment securities as available for sale, which creates potential volatility in our equity and may have an adverse impact on our net income.

We hold certain intangible assets, including goodwill, which have been partially impaired and could become further impaired in the future. If these assets are further or fully impaired in the future, our earnings would decrease.

We have a significant concentration in commercial real estate loans. If our regulators were to curtail our commercial real estate lending activities, our earnings and/or dividend paying capacity could be adversely affected.