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| related topics |
| {acquisition, growth, future} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {stock, price, operating} |
| {loss, insurance, financial} |
| {interest, director, officer} |
| {personnel, key, retain} |
| {capital, credit, financial} |
| {regulation, change, law} |
| {tax, income, asset} |
|
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Our business strategy includes the continuation of significant growth plans, and if we fail to grow or fail to manage our growth effectively as we pursue our strategy, it could negatively affect our results of operations
Our business is subject to the success of the local economies where it operates
Our business may face risks with respect to future expansion
If the value of real estate in our core Florida market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us
An inadequate allowance for loan losses would reduce our earnings
Our indirect lending program has a limited operating history and, as a result, the financial performance to date of this program may not be a reliable indicator of whether this business will continue to be successful
Our de novo branching strategy could cause our expenses to increase faster than revenues
Our recent results may not be indicative of our future results
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed
Increases in interest rates may negatively affect our earnings and the value of our assets
Competition from financial institutions and other financial service providers may adversely affect our profitability
We are subject to extensive regulation that could limit or restrict our activities
Our directors and executive officers own a portion of our common stock
We are dependent upon the services of our management team
Future capital needs could result in dilution of shareholders investments
Although publicly traded, the trading market in our common stock has substantially less liquidity than the average trading market for stock quoted on The NASDAQ National Market, and the price of our common stock due to this limited trading market may be more volatile in the future
Our ability to pay dividends is limited and we may be unable to pay future dividends
Holders of our junior subordinated debentures have rights that are senior to those of our common stockholders
Full 10-K form ▸
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