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| related topics |
| {stock, price, share} |
| {financial, litigation, operation} |
| {loan, real, estate} |
| {regulation, government, change} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {product, market, service} |
| {loss, insurance, financial} |
| {acquisition, growth, future} |
| {stock, price, operating} |
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Risks Relating to the Business of the Company and its Affiliates
The Company s future depends on the successful growth of its Affiliates
The majority of our business is concentrated in Maryland; a significant amount of our business is concentrated in real estate lending.
The Bank may experience loan losses in excess of its allowance.
Interest rates and other economic conditions will impact our results of operations.
The market value of our investments could decline.
We operate in a competitive environment.
The banking industry is heavily regulated; significant regulatory changes could adversely affect our operations.
The loss of key personnel could disrupt our operations and result in reduced earnings.
We may be adversely affected by recent legislation.
We may be subject to claims and the costs of defensive actions.
We may be subject to claims and the costs of defensive actions.
We may be subject to claims and the costs of defensive actions.
We may not be able to keep pace with developments in technology.
Risks Related to the Company s Common Stock
The Company s ability to pay dividends is limited.
Shares of the Company s common stock are not insured
Shares of the Company s common stock are not heavily traded
Full 10-K form ▸
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