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| related topics |
| {loan, real, estate} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {provision, law, control} |
| {personnel, key, retain} |
| {investment, property, distribution} |
| {loss, insurance, financial} |
| {acquisition, growth, future} |
| {financial, litigation, operation} |
| {condition, economic, financial} |
|
|
Our multi-family residential and commercial real estate loans are relatively unseasoned, and defaults on such loans would adversely affect our financial condition and results of operations.
We may be unable to successfully compete in our industry.
Our origination of multi-family and commercial real estate loans is dependent on the mortgage brokers who refer these loans to us.
Interest rate fluctuations, which are out of our control, could harm profitability.
We may experience loan losses in excess of our allowance for loan losses.
Upon exercise of the Warrant, shareholders will experience significant dilution in their shares of common stock.
Adverse outcomes of litigation against us could harm our business and results of operations.
Poor economic conditions in California may cause us to suffer higher default rates on our loans and decreased value of the assets we hold as collateral.
We do not expect to pay cash dividends in the foreseeable future.
Federal law imposes conditions on the ability to acquire control of our common stock at specified threshold percentages, which could discourage a change in control.
Our business may be adversely affected by the highly regulated environment in which we operate.
Anti-takeover defenses may delay or prevent future transactions
We are dependent on our key personnel
Potential acquisitions may disrupt our business and dilute stockholder value.
Full 10-K form ▸
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