1076394--6/20/2008--CENTRAL_BANCORP_INC_/MA/

related topics
{personnel, key, retain}
{loan, real, estate}
{loss, insurance, financial}
{acquisition, growth, future}
{competitive, industry, competition}
{system, service, information}
{regulation, government, change}
{tax, income, asset}
If the value of real estate in northwestern suburbs of Boston were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us. Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed. Competition from financial institutions and other financial service providers may adversely affect our growth and profitability. Fluctuations in interest rates could reduce our profitability and affect the value of our assets. Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio. We are dependent upon the services of our management team. Our failure to continue to recruit and retain qualified loan originators could adversely affect our ability to compete successfully and affect our profitability. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.

Full 10-K form ▸
related documents
1076394--6/26/2006--CENTRAL_BANCORP_INC_/MA/
1127703--2/25/2009--PROASSURANCE_CORP
1046025--3/3/2006--HERITAGE_FINANCIAL_CORP_/WA/
717059--2/10/2006--WEST_COAST_BANCORP_/NEW/OR/
893847--3/16/2007--EXCHANGE_NATIONAL_BANCSHARES_INC
1094814--3/30/2006--MANAGEMENT_NETWORK_GROUP_INC
704159--3/29/2006--PAULSON_CAPITAL_CORP
1143848--3/28/2006--LSB_CORP
1284506--3/16/2007--INTERMOUNTAIN_COMMUNITY_BANCORP
1284506--3/20/2006--INTERMOUNTAIN_COMMUNITY_BANCORP
1001601--3/17/2008--MGT_CAPITAL_INVESTMENTS_INC
1001601--3/30/2007--MGT_CAPITAL_INVESTMENTS_INC
885275--3/13/2009--WILSON_BANK_HOLDING_CO
708850--9/13/2006--DIONEX_CORP_/DE
921503--4/15/2008--BLYTH_INC
1222915--9/12/2006--JEFFERSON_BANCSHARES_INC
1008579--3/31/2006--HIGHLANDS_BANKSHARES_INC_/VA/
200513--2/28/2006--METROCORP_INC
55135--2/10/2006--KELLY_SERVICES_INC
1295334--3/17/2006--Valley_Bancorp
6292--2/25/2010--ANALYSTS_INTERNATIONAL_CORP
870069--4/16/2010--REGAN_HOLDING_CORP
1076394--6/22/2007--CENTRAL_BANCORP_INC_/MA/
912382--3/14/2008--NATIONAL_BANK_OF_INDIANAPOLIS_CORP
67472--8/5/2009--MOLEX_INC
842518--3/5/2010--EVANS_BANCORP_INC
717306--3/15/2006--FIRST_CHARTER_CORP_/NC/
6292--3/31/2009--ANALYSTS_INTERNATIONAL_CORP
34782--3/3/2006--1ST_SOURCE_CORP
1279410--2/27/2006--PLACER_SIERRA_BANCSHARES