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| related topics |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {regulation, government, change} |
| {competitive, industry, competition} |
| {tax, income, asset} |
| {condition, economic, financial} |
| {system, service, information} |
| {loan, real, estate} |
| {cost, contract, operation} |
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Merger with North Bay Bancorp may fail to realize all of the anticipated benefits.
We are pursuing an aggressive growth strategy that is expected to include mergers and acquisitions, which could create integration risks.
Store construction can disrupt banking activities and may not be completed on time or within budget, which could result in reduced earnings.
Involvement in non-bank business creates risks associated with securities industry.
The majority of our assets are loans, which if not repaid would result in losses to the Bank in excess of loss allowances.
A rapid change in interest rates could make it difficult to maintain our current interest income spread and could result in reduced earnings.
The volatility of our mortgage banking business can adversely affect earnings if our mitigating strategies are not successful.
Our banking and brokerage operations are subject to extensive government regulation that is expected to become more burdensome, increase our costs and/or make us less competitive compared to financial services firms that are not subject to the same regulation.
The financial services industry is highly competitive.
Our business is highly reliant on technology and our ability to manage the operational risks associated with technology.
A significant decline in the company s market value could result in an impairment of goodwill.
Full 10-K form ▸
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