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related topics |
{stock, price, share} |
{condition, economic, financial} |
{loss, insurance, financial} |
{loan, real, estate} |
{competitive, industry, competition} |
{system, service, information} |
{product, market, service} |
{cost, contract, operation} |
{regulation, change, law} |
{regulation, government, change} |
{cost, operation, labor} |
{tax, income, asset} |
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The current economic environment poses significant challenges for the Company and could continue to adversely affect its financial condition and results of operations.
Our failure to comply with applicable regulatory requirements and regulatory enforcement actions could result in further restrictions and enforcement actions.
Our capital levels currently are not sufficient to achieve compliance with the higher capital requirements we must meet by December 31, 2010.
We have a high percentage of nonperforming loans and classified assets relative to our total assets. If our allowance for loan losses is not sufficient to cover our actual loan losses, our results of operations will be adversely affected.
Liquidity needs could adversely affect our results of operations and financial condition.
There are increased risks involved with commercial real estate, construction, commercial business and consumer lending activities.
We may experience an ownership change which would result in a limitation of the use of our net operating losses.
We may issue additional shares of our common stock in the future, which would dilute your ownership if you did not, or were not permitted to, invest in the additional issuances.
Future FDIC insurance premiums or special assessments may adversely impact our earnings.
We are heavily regulated, and that regulation could limit or restrict our activities and adversely affect our earnings.
Changes in interest rates could have a material adverse effect on our operations.
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. The Company and the Bank are prohibited from paying dividends or repurchasing common stock.
We are subject to restrictions on executive compensation as a result of our participation in the CPP.
We may incur increased employee benefit costs.
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.
We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.
Full 10-K form ▸
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