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related topics |
{acquisition, growth, future} |
{condition, economic, financial} |
{stock, price, share} |
{stock, price, operating} |
{loan, real, estate} |
{competitive, industry, competition} |
{regulation, change, law} |
{personnel, key, retain} |
{loss, insurance, financial} |
{system, service, information} |
{regulation, government, change} |
{control, financial, internal} |
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RISKS RELATED TO OUR BUSINESS
Our Profitability is Dependent on Our Banking Activities.
We Depend on Key Personnel for Our Success.
Our Operations are Significantly Affected by Interest Rate Levels.
Our Business Depends on the Condition of the Local and Regional Economies Where We Operate.
Our Business May Suffer if There are Significant Declines in the Value of Real Estate.
If We Do Not Properly Manage Our Credit Risk, Our Business Could Be Seriously Harmed.
We Could Experience Deficiencies in Our Allowance for Loan and Lease Losses.
The Performance of Our Investment Securities Portfolio is Subject to Fluctuation Due to Changes in Interest Rates and Market Conditions.
Our Recent Results May Not Be Indicative of Our Future Results.
To Successfully Implement Our Growth and
Branching Strategy, We Must Significantly Expand Our Operations in Both New and Existing Markets.
We Face Strong Competition in Our Markets
Our Internal Operations are Subject to a Number of Risks.
We May Need to Raise Additional Capital in the Future to Continue to Grow, But That Capital May Not Be Available When Needed.
RISKS ASSOCIATED WITH OUR INDUSTRY
We are Subject to Extensive Government Regulation That Could Limit or Restrict Our Activities and Adversely Impact Our Operations.
New Legislative and Regulatory Proposals May Affect Our Operations and Growth.
RISKS ASSOCIATED WITH OUR STOCK
Our Stock Price is Affected by a Variety of Factors, Many of Which are Outside Our Control.
Our Directors and Executive Officers Own a Significant Portion of Our Stock.
Our Stock Trading Volume May Not Provide Adequate Liquidity for Investors.
Our Common Stock is Not an Insured Deposit.
Full 10-K form ▸
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