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| related topics |
| {cost, operation, labor} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
| {operation, international, foreign} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {stock, price, share} |
| {regulation, change, law} |
| {stock, price, operating} |
|
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Our proposed merger with SunTrust may not be consummated or may be delayed, which may adversely affect our anticipated results of operations and financial condition, or both.
Significant risks accompany our recent rapid expansion
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease
Deteriorating credit quality, particularly in real estate loans, has adversely impacted us and may continue to adversely impact us, leading to higher loan charge-offs or an increase in the our provision for loan losses.
Our business is subject to the success of the local economies where we operate
Risks associated with unpredictable economic and political conditions may be amplified as a result of our limited market areas
Our historical operating results may not be indicative of our future operating results
Departures of our key personnel may harm our ability to operate successfully
Competition from financial institutions and other financial service providers may adversely affect our profitability
We are subject to extensive regulation that could limit or restrict our activities and adversely affect our earnings
We face risks arising from any supervisory actions taken by our regulators, and HomeTown Bank of Villa Rica is currently operating under a Cease and Desist Order from the FDIC.
Our ability to pay dividends is limited and we may be unable to pay future dividends
We have reported that our internal control over financial reporting is not effective, and any unidentified material weaknesses could cause us to fail to meet our SEC and other reporting requirements.
Full 10-K form ▸
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