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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {system, service, information} |
| {tax, income, asset} |
| {acquisition, growth, future} |
| {competitive, industry, competition} |
|
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We determined that our methodology for grading loans and establishing the level of the allowance for loan losses had material weaknesses.
Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
Continuation of local economic conditions could hurt our profitability.
Our dependence on loans secured by real estate subjects us to risks relating to fluctuations in the real estate market.
Our concentration in real estate construction loans subjects us to additional risks.
Risks associated with acquisitions or divestitures or restructuring may adversely affect us.
Changes in interest rates could reduce income and cash flow.
The markets in which we operate are subject to the risk of earthquakes and other natural disasters.
Substantial competition in the California banking market could adversely affect us.
Restrictions on dividends and other distributions could limit amounts payable to us.
Adverse effects of, or changes in, banking or other laws and regulations or governmental fiscal or monetary policies could adversely affect us.
The accuracy of the Company s judgments and estimates about financial and accounting matters will impact operating results and financial condition
The Company s information systems may experience an interruption or breach in security.
Full 10-K form ▸
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