text: Although we believe that we use the best information available to make loan loss allowance determinations, 
  future adjustments could be necessary if circumstances or economic conditions differ substantially from the 
  assumptions used in making our initial determinations. A downturn in the economy and employment could result in 
  increased levels of non-performing assets and charge-offs, increased loan loss provisions and reductions in income. 
  Additionally, as an integral part of their examination process, bank regulatory agencies periodically review our 
  allowance for loan losses. The banking agencies could require the recognition of additions to the loan loss allowance 
  based on their judgment of information available to them at the time of their examination. 