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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {cost, operation, labor} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {investment, property, distribution} |
| {acquisition, growth, future} |
|
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Risk Factors That May Affect Future Results
Changes in economic conditions could materially hurt our business.
Recent negative developments in the financial industry and U.S. and global credit markets may impact our operations and results.
Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance.
We are subject to extensive government regulation that could limit or restrict our activities, which, in turn, may hamper our ability to increase our assets and earnings.
The short term and long term impact of the new Basel II capital standards and the forthcoming new capital rules to be proposed for non-Basel II U.S. banks is uncertain.
Failure to manage our growth may adversely affect our performance.
We face strong competition from financial services companies and other companies that offer banking services.
If we cannot attract deposits, our growth may be inhibited.
If a significant number of borrowers, guarantors and related parties fail to perform as required by the terms of their loans, we will sustain losses.
Our loan portfolio is predominantly secured by real estate and thus we have a higher degree of risk from a downturn in our real estate markets.
Managing reputational risk is important to attracting and maintaining customers, investors and employees.
Full 10-K form ▸
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