Item 7.01. Regulation FD Disclosure
Forward-Looking Statements
This press release may contain forward-looking statements regarding the
financial performance, business prospects, growth and operating strategies of
the Bancorp. For these statements, the Bancorp claims the protections of the
safe harbor for forward-looking statements contained in the Private Securities
Litigation Reform Act of 1995. Statements in this communication should be
considered in conjunction with the other information available about the
Bancorp, including the information in the filings the Bancorp makes with the
Although management believes that the expectations reflected in such
forward-looking statements are reasonable, actual results may differ materially
from those expressed or implied in such statements. Risks and uncertainties that
could cause actual results to differ materially include: difficulties and delays
in integrating Finward's and Royal's businesses or fully realizing cost savings
and other benefits; business disruption following the merger; changes in asset
quality and credit risk; the inability to sustain revenue and earnings growth;
changes in interest rates, market liquidity, and capital markets, as well as the
magnitude of such changes, which may reduce net interest margins; inflation;
further deterioration in the market value of securities held in the Bancorp's
investment securities portfolio, whether as a result of macroeconomic factors or
otherwise; customer acceptance of the Bancorp's products and services; customer
borrowing, repayment, investment, and deposit practices; customer
disintermediation; the introduction, withdrawal, success, and timing of business
initiatives; competitive conditions; the inability to realize cost savings or
revenues or to implement integration plans and other consequences associated
with mergers, acquisitions, and divestitures; economic conditions; and the
impact, extent, and timing of technological changes, capital management
activities, and other actions of the
In addition to the above factors, we also caution that the actual amounts and timing of any future common stock dividends or share repurchases will be subject to various factors, including our capital position, financial performance, capital impacts of strategic initiatives, market conditions, and regulatory and accounting considerations, as well as any other factors that our Board of Directors deems relevant in making such a determination. Therefore, there can be no assurance that we will repurchase shares or pay any dividends to holders of our common stock, or as to the amount of any such repurchases or dividends.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits.
99.1 Slide presentation for the Annual Meeting on
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