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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {stock, price, share} |
| {acquisition, growth, future} |
| {provision, law, control} |
| {system, service, information} |
| {loss, insurance, financial} |
| {regulation, government, change} |
| {product, market, service} |
|
|
A large percentage of the Company s loans are collateralized by real estate, and an adverse change in the real estate market may result in losses and adversely affect its profitability.
The Company s allowance for loan losses may not be sufficient to cover actual loan losses, which could adversely affect its earnings.
The Company s profitability depends significantly on local economic conditions.
The Company s small to medium-sized business target market may have fewer financial resources to weather a downturn in the economy.
The Company could be subject to environmental risks and associated costs on its foreclosed real estate assets.
Potential acquisitions may disrupt the Company s business and dilute shareholder value.
An interruption in or breach in security of the Company s information systems may result in a loss of customer business.
The business of the Company is dependent on technology and its inability to invest in technological improvements may adversely affect its results of operations and financial condition.
The Company operates in a highly regulated environment and, as a result, is subject to extensive regulation and supervision that could adversely affect its financial performance, and the Company may be adversely affected by changes in federal and local laws and regulations.
Risks Associated with the Company s Common Stock
The Company s corporate organizational documents and the provisions of Texas law to which it is subject may delay or prevent a change in control of the Company that shareholders may favor.
The trading volume in the Company Common Stock has been low.
Full 10-K form ▸
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