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| related topics |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {stock, price, share} |
| {product, market, service} |
| {loss, insurance, financial} |
| {system, service, information} |
| {regulation, government, change} |
| {provision, law, control} |
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Risks Associated with the Company s Business
If the Company is not able to continue its historical levels of growth, it may not be able to maintain its historical earnings trends.
If the Company is unable to manage its growth effectively, its operations could be negatively affected.
If the Company is unable to identify and acquire other financial institutions and successfully integrate its acquired businesses, its business and earnings may be negatively affected.
The Company s business is subject to interest rate risk and fluctuations in interest rates may adversely affect its earnings and capital levels.
The Company s profitability depends significantly on local economic conditions.
The Company s allowance for credit losses may not be sufficient to cover actual credit losses, which could adversely affect its earnings.
The Company s small to medium-sized business target market may have fewer financial resources to weather a downturn in the economy.
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 the Company s 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, state 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 you may favor.
The holders of the Company s junior subordinated debentures have rights that are senior to those of the Company s shareholders.
Full 10-K form ▸
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