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COBZ » Topics » Changes in economic conditions may cause us to incur loan losses.

These excerpts taken from the COBZ 10-K filed Mar 13, 2009.

Changes in economic conditions may cause us to incur loan losses.

 

The inability of borrowers to repay loans can erode our earnings and capital.  Our loan portfolio is somewhat less diversified than that of a traditional community bank because it includes a higher concentration of larger commercial and real estate loans.  Substantially all of our loans are to businesses and individuals in the Denver and Phoenix metropolitan areas, and any further economic decline in these

 

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market areas could result in increased delinquencies, problem assets and foreclosures, reduced collateral value and reduced demand for loans and other products and services and, accordingly, could impact us adversely.

 

Changes in economic conditions
may cause us to incur loan losses.



 



The inability of borrowers to repay loans can erode
our earnings and capital.  Our loan
portfolio is somewhat less diversified than that of a traditional community
bank because it includes a higher concentration of larger commercial and real
estate loans.  Substantially all of our
loans are to businesses and individuals in the Denver and Phoenix metropolitan
areas, and any further economic decline in these



 



19















Table of Contents



 



market areas could result in increased delinquencies,
problem assets and foreclosures, reduced collateral value and reduced demand
for loans and other products and services and, accordingly, could impact us
adversely.



 



These excerpts taken from the COBZ 10-K filed Mar 17, 2008.

Changes in economic conditions may cause us to incur loan losses.

 

The inability of borrowers to repay loans can erode our earnings and capital.  Our loan portfolio is somewhat less diversified than that of a traditional community bank because it includes a higher concentration of larger commercial and real estate loans.  Substantially all of our loans are to businesses and individuals in the Denver and Phoenix metropolitan areas, and any further economic decline in these market areas could result in increased delinquencies, problem assets and foreclosures, reduced collateral value and reduced demand for loans and other products and services and, accordingly, could impact us adversely.

 

Changes in economic conditions
may cause us to incur loan losses.



 



The inability of borrowers to repay loans can erode
our earnings and capital.  Our loan
portfolio is somewhat less diversified than that of a traditional community
bank because it includes a higher concentration of larger commercial and real
estate loans.  Substantially all of our
loans are to businesses and individuals in the Denver and Phoenix metropolitan
areas, and any further economic decline in these market areas could result in
increased delinquencies, problem assets and foreclosures, reduced collateral
value and reduced demand for loans and other products and services and,
accordingly, could impact us adversely.



 



This excerpt taken from the COBZ 10-K filed Mar 15, 2007.

Changes in economic conditions may cause us to incur loan losses.

The inability of borrowers to repay loans can erode our earnings and capital.  Our loan portfolio is somewhat less diversified than that of a traditional community bank because it includes a higher concentration of larger commercial and real estate loans.  Substantially all of our loans are to businesses and individuals in the Denver and Phoenix metropolitan areas, and any economic decline in these market areas could result in increased delinquencies, problem assets and foreclosures, reduced collateral value and reduced demand for loans and other products and services and, accordingly, could impact us adversely.

17



This excerpt taken from the COBZ 10-K filed Mar 15, 2006.

Changes in economic conditions may cause us to incur loan losses.

 

The inability of borrowers to repay loans can erode our earnings and capital.  Our loan portfolio is somewhat less diversified than that of a traditional community bank because it includes a higher concentration of larger commercial loans.  Substantially all of our loans are to businesses and individuals in the Denver and Phoenix metropolitan areas, and any economic decline in these market areas could impact us adversely.

 

EXCERPTS ON THIS PAGE:

10-K (2 sections)
Mar 13, 2009
10-K (2 sections)
Mar 17, 2008
10-K
Mar 15, 2007
10-K
Mar 15, 2006

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