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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {stock, price, share} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {competitive, industry, competition} |
| {system, service, information} |
| {acquisition, growth, future} |
| {product, market, service} |
| {cost, operation, labor} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
|
|
The current economic environment poses significant challenges for the Company and could adversely affect its financial condition and results of operations.
The Company s business is subject to various lending and other economic risks that could adversely impact the Company s financial condition and results of operations.
The declining real estate market could impact the Company s business.
Changes in interest rates could have a material adverse effect on our operations.
There are increased risks involved with commercial real estate, construction, commercial business and consumer lending activities.
Our allowance for losses on loans may not be adequate to cover probable losses.
We are subject to extensive regulation that could adversely affect our business and operations.
We face strong competition that may adversely affect our profitability.
Our ability to successfully compete may be reduced if we are unable to make technological advances.
The Company is subject to restrictions on its ability to declare or pay dividends and repurchase its shares as a result of its participation in the Treasury s Troubled Asset Relief Program Capital Purchase Program.
Holders of our common stock have no preemptive rights and are subject to potential dilution.
We may incur increased employee benefit costs.
We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.
The building of market share through our branching strategy could cause our expenses to increase faster than revenues.
If external funds are not available, this could adversely impact our growth and future prospects.
Full 10-K form ▸
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