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| related topics |
| {stock, price, share} |
| {acquisition, growth, future} |
| {provision, law, control} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {regulation, government, change} |
| {cost, contract, operation} |
|
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Though we turned profitable in the second quarter of 2005, we have incurred cumulative operating losses since we commenced operations and may continue to incur losses in the future
We may encounter unexpected financial and operating problems due to our rapid growth
Our growth strategy may not be successful
Losses from loan defaults may exceed the allowance we establish for that purpose, which will have an adverse effect on our business
If real estate values in our target markets decline, our loan portfolio would be impaired
If we lose key employees, our business may suffer
Our executive officers and directors have substantial control over our company, which could delay or prevent a change of control favored by our other shareholders
Our subsidiary banks face strong competition in their market areas that may limit their asset growth and profitability
If adverse economic conditions in our target markets exist for a prolonged period, our financial results could be adversely affected
Bancshares of Florida and its subsidiaries operate in an environment highly regulated by state and federal government; changes in federal and state banking laws and regulations could have a negative impact on Bancshares of Florida s business.
Regulatory action could severely limit future expansion plans
Investors may face dilution resulting from the issuance of common stock in the future
Shares of our preferred stock may be issued in the future which could materially adversely affect the rights of the holders of our common stock
Our common stock is not an insured bank deposit and is subject to market risk
We may need additional capital in the future and this capital may not be available when needed or at all
Future sales of our common stock could depress the price of the common stock
We have not paid dividends in the past and we are restricted in our ability to pay dividends to our shareholders
There are substantial regulatory limitations on ownership of our common stock and changes of control
Although publicly traded, our common stock has substantially less liquidity than the average trading market for a stock quoted on the Nasdaq National Market, and our price may fluctuate in the future
Full 10-K form ▸
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