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| related topics |
| {stock, price, share} |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {provision, law, control} |
| {regulation, government, change} |
| {operation, natural, condition} |
| {personnel, key, retain} |
| {property, intellectual, protect} |
| {cost, operation, labor} |
| {acquisition, growth, future} |
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RISKS RELATED TO OUR BUSINESS
Since we commenced operations in 1999, we have had a relatively short history of experiencing profits.
We are not certain that our capital will be adequate to continue to support the current rate of growth.
We may require additional capital in the future, which could result in dilution of your ownership interest.
Customers may not repay their loans, which could have a material adverse effect on our profitability.
Our business focus in the Jacksonville area of Florida could make us vulnerable to adverse economic conditions in the area.
A slowdown in the economy could diminish the quality of our loan portfolio and our financial performance.
Our location on the east coast of Florida makes us susceptible to weather-related problems.
We are subject to government regulation and monetary policy that could constrain our growth and profitability.
We could be negatively impacted by changes in interest rates and economic conditions.
The Company is dependent on the operating performance of the Bank to provide the Company with operating funds.
We face competition from a variety of competitors.
Our lending limit restricts our ability to compete with larger financial institutions.
Our lending limit restricts our ability to compete with larger financial institutions.
We may need to spend significant money to keep up with technology so we can remain competitive.
We are dependent on the experience and expertise of our current management and their departure may impair our operations.
RISKS RELATED TO OUR COMMON STOCK
Our common stock is thinly traded and, therefore, you may have difficulty selling shares.
We do not anticipate paying dividends for the foreseeable future.
The market price of our common stock may be volatile.
Our articles of incorporation and bylaws contain provisions that may delay or prevent a change of control.
Full 10-K form ▸
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