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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {product, market, service} |
| {personnel, key, retain} |
| {cost, contract, operation} |
| {system, service, information} |
| {control, financial, internal} |
| {cost, operation, labor} |
| {regulation, change, law} |
| {stock, price, operating} |
|
|
Changes in economic conditions may cause us to incur loan losses.
Our allowance for loan losses may not be adequate to cover actual loan losses.
Our business is subject to various lending risks depending on the nature of the borrower s business, its cash flow and our collateral.
A downturn in our real estate markets could hurt our business.
We may experience difficulties in managing our growth.
We rely heavily on our management, and the loss of any of our senior officers may adversely affect our operations.
Changes in interest rates may affect our profitability.
Our business and financial condition may be adversely affected by an increase in competition.
We continually encounter technological change, and we may have fewer resources than our competitors to continue to invest in technological improvements.
An interruption in or breach in security of our information systems may result in a loss of customer business.
We may be required to make capital contributions to the bank if it becomes undercapitalized.
We are subject to significant government regulation, and any regulatory changes may adversely affect us.
If our internal controls over financial reporting do not comply with the requirements of the Sarbanes-Oxley Act, our business could be adversely affected.
We must evaluate whether any portion of our recorded goodwill is impaired. Impairment testing may result in a material, non-cash write-down of our goodwill assets and could have a material adverse impact on our results of operations.
Our fee based businesses are subject to quarterly and annual volatility in their revenues and earnings.
Full 10-K form ▸
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