|
| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {system, service, information} |
| {loan, real, estate} |
| {regulation, change, law} |
| {product, liability, claim} |
| {acquisition, growth, future} |
| {control, financial, internal} |
| {property, intellectual, protect} |
| {competitive, industry, competition} |
|
|
DIFFICULT CONDITIONS IN THE CAPITAL MARKETS AND THE ECONOMY GENERALLY MAY MATERIALLY ADVERSELY AFFECT OUR BUSINESS AND RESULTS OF OPERATIONS.
THERE CAN BE NO ASSURANCE THAT ACTIONS OF THE U.S. GOVERNMENT, FEDERAL RESERVE AND OTHER GOVERNMENTAL AND REGULATORY BODIES FOR THE PURPOSE OF STABILIZING THE FINANCIAL MARKETS WILL ACHIEVE THE INTENDED EFFECT.
WE MAY BE REQUIRED TO PAY SIGNIFICANTLY HIGHER FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) PREMIUMS IN THE FUTURE.
RECENT NEGATIVE DEVELOPMENTS IN THE FINANCIAL INDUSTRY AND THE CREDIT MARKETS MAY SUBJECT US TO ADDITIONAL REGULATION.
THE GEOGRAPHIC CONCENTRATION OF OUR MARKETS MAKES OUR BUSINESS HIGHLY SUSCEPTIBLE TO LOCAL ECONOMIC CONDITIONS.
FUTURE GROWTH OR OPERATING RESULTS MAY REQUIRE THE CORPORATION TO RAISE ADDITIONAL CAPITAL BUT THAT CAPITAL MAY NOT BE AVAILABLE OR IT MAY BE DILUTIVE.
THE CORPORATION S ALLOWANCE FOR POSSIBLE LOAN LOSSES MAY BE INSUFFICIENT.
THE CORPORATION IS SUBJECT TO INTEREST RATE RISK.
THE CORPORATION IS SUBJECT TO ENVIRONMENTAL LIABILITY RISK ASSOCIATED WITH LENDING ACTIVITIES.
THE CORPORATION IS SUBJECT TO EXTENSIVE GOVERNMENT REGULATION AND SUPERVISION.
THE CORPORATION S CONTROLS AND PROCEDURES MAY FAIL OR BE CIRCUMVENTED.
THE CORPORATION S INFORMATION SYSTEMS MAY EXPERIENCE AN INTERRUPTION OR BREACH IN SECURITY.
CHANGES IN TECHNOLOGY COULD BE COSTLY.
THE TRADING VOLUME IN THE CORPORATION S COMMON STOCK IS LESS THAN THAT OF OTHER LARGER FINANCIAL SERVICES COMPANIES.
WE MAY NOT BE ABLE TO PAY DIVIDENDS IN THE FUTURE IN ACCORDANCE WITH PAST PRACTICES.
Full 10-K form ▸
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