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ACP Harvest Community Bank by Local Investors in 2001 Analysis

 

I would like to ask for a bit more: could you add a section that analyzes the potential reasons of its failure? Was it because they had too much concentration in residential mortgages? Was it because they lost in the commercial loan? If so, do local economic conditions play a role?

See an early warning sign is great, but what is better is that we can dig deeper about the reason behind it.