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| related topics |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {control, financial, internal} |
|
|
Our profitability depends on interest rates generally.
Our profitability depends significantly on local economic conditions.
Our affiliate banks ability to pay dividends is subject to regulatory limitations which, to the extent VFG requires such dividends in the future, may affect our ability to pay obligations and dividends.
Our profitability may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate.
If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected.
Our concentration in loans secured by real estate may increase our credit losses, which would negatively affect our financial results.
Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
We depend on the services of our key personnel, and a loss of any of those personnel would disrupt our operations and result in reduced revenues.
We may identify a material weakness or a significant deficiency in our internal control over financial reporting that may adversely affect our ability to properly account for non-routine transactions.
If we need additional capital in the future to continue our growth, we may not be able to obtain it on terms that are favorable. This could negatively affect our performance and the value of our common stock.
Because our mortgage banking revenue is sensitive to changes in economic conditions, decreased economic activity, a slowdown in the housing market or high interest rates may reduce our profits.
Full 10-K form ▸
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