|
| related topics |
| {loan, real, estate} |
| {stock, price, share} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {product, market, service} |
| {product, liability, claim} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {acquisition, growth, future} |
| {financial, litigation, operation} |
| {system, service, information} |
| {interest, director, officer} |
| {operation, natural, condition} |
| {provision, law, control} |
| {control, financial, internal} |
|
|
The Company Is Subject To Interest Rate Risk
The Company Is Subject To Lending Risk
The Company Has A High Concentration Of Real Estate Collateral Securing Its Loans
The Company s Allowance For Loan Losses May Be Insufficient
The Company needs to generate liquidity to fund its loan demand.
The Company Is Subject To Environmental Liability Risk Associated With Lending Activities
The Company s Profitability Depends Significantly On Economic Conditions In the State Of California
The Company Operates In A Highly Competitive Industry and Market Area
The Company Is Subject To Extensive Government Regulation and Supervision
See Supervision and Regulation in Item 1.
The Company s Controls and Procedures May Fail or Be Circumvented
New Lines of Business or New Products and Services May Subject The Company to Additional Risks
The Company May Not Be Able To Attract and Retain Skilled People
The Company s Information Systems May Experience An Interruption Or Breach In Security
The Company Continually Encounters Technological Change
The Company Is Subject To Claims and Litigation Pertaining To Fiduciary Responsibility
Severe Weather, Natural Disasters, Acts Of War Or Terrorism and Other External Events Could Significantly Impact The Company s Business
Possible Price Effects if the Merger With Umpqua Does Not Occur
The Company s Articles Of Incorporation, By-Laws As Well As Certain Banking Laws May Have An Anti-Takeover Effect
The stockholder vote required to approve a Business Combination shall be at least 66-2/3% of the corporation s outstanding shares of voting stock voting together as a single class. The corporation shall not be a party to any Business Combination without the shareholder approval specified herein.
The Company s Stock Price Can Be Volatile
The Trading Volume In The Company s Common Stock Is Less Than That Of Other Larger Financial Services Companies
An Investment In The Company s Common Stock Is Not An Insured Deposit
The Earnings Of Banks Are Significantly Affected By General Business And Economic Conditions
Banks Depend On The Accuracy And Completeness Of Information About Customers And Counterparties
Consumers May Decide Not To Use Banks To Complete Their Financial Transactions
Full 10-K form ▸
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