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| related topics |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {tax, income, asset} |
| {condition, economic, financial} |
| {cost, operation, labor} |
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We could suffer loan losses from a decline in credit quality.
Lack of seasoning of our loan portfolio may increase the risk of credit defaults in the future.
Our profitability is vulnerable to interest rate fluctuations.
We are operating under a Formal Agreement with the OCC which has caused us to limit our growth plans
We have adopted Resolutions, as requested by the Federal Reserve Bank of Atlanta, that require us to receive regulatory approval before paying dividends.
We have adopted Resolutions, as requested by the Federal Reserve Bank of Atlanta, that require us to receive regulatory approval before paying dividends.
Additional growth may require us to raise additional capital in the future, but that capital may not be available when it is needed, which could adversely affect our financial condition and results of operations.
If we fail to manage our past growth effectively, our financial condition and results of operations could be negatively affected.
An economic downturn, especially one affecting our market areas, could adversely affect our financial condition, results of operations or cash flows.
If the value of real estate in our core market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on our business, financial condition and results of operations.
A significant portion of our loans are located outside of our primary market areas where our ability to oversee such loans directly is limited.
Full 10-K form ▸
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