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| related topics |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {loan, real, estate} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {system, service, information} |
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Risks Related to Our Business
If the value of real estate in our primary market areas were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us.
We are subject to the local economies where we operate, and unfavorable economic conditions in these areas could have a material adverse effect on our financial condition and results of operations.
Our recent results may not be indicative of our future results.
We face strong competition from larger, more established competitors.
Our business could be harmed if we lose the services of any of our senior management team and are unable to recruit or retain a suitable replacement.
We face risks with respect to future expansion and acquisitions or mergers.
Our business strategy includes the continuation of growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
Our expansion plans may require us to raise additional capital in the future, but that capital may not be available when it is needed or may be available only on unfavorable terms that could have a material adverse effect on our financial condition and results of operations.
Improper functioning of our information technology systems could have an adverse impact on our operations.
Risks Related to Our Industry
Changes in the interest rate environment could reduce our profitability.
We could suffer loan losses from a decline in credit quality.
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease.
We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business.
Changes in monetary policies may have an adverse effect on our business.
Risks Related to Our Common Shares
The trading volume in our common shares has been low, and the sale of a substantial number of shares in the public market could depress the price of our common shares and make it difficult for you to sell your shares.
Full 10-K form ▸
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