| http://www.w3.org/ns/prov#value | - io, including as a result of a slow recovery in the housing and real estate markets in its geographic areas;???increased loan delinquency rates;???the risks presented by a slow economic recovery which could adversely affect credit quality, loan collateral values, OREO values, investment values, liquidity and capital levels, dividends and loan originations;???changes in market interest rates, which
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