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| related topics |
| {system, service, information} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {product, market, service} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {financial, litigation, operation} |
| {stock, price, share} |
| {regulation, change, law} |
| {tax, income, asset} |
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We may experience rapid growth in the future that could strain our limited resources. Our failure to effectively manage such growth could adversely affect our ability to earn profits.
Failure to implement our business strategy or to manage our growth effectively may adversely affect our financial performance.
Our business model contains inherent risk because we rely on third-party information in making lending decisions. If this information is inadequate, we may fail to realize risks in loans that we make, which could adversely affect our credit quality and ability to earn profits.
Our business model contains inherent lending and regulatory risk because we have significant Internet bank operations and often have little personal interaction with our customers.
Our deposit customers are likely to be sensitive to price fluctuations for products and may have limited loyalty to us.
Our operations could be interrupted if our third-party service providers experience difficulty or terminate their services.
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.
We do not plan to pay dividends for the foreseeable future.
Our business is subject to the success of the local economies where we operate.
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease.
Unexpected changes in interest rates may decrease our net interest income.
Competition from financial institutions and other financial service providers may adversely affect our profitability.
Our success is dependent in part on our ability to keep pace with rapid technological change.
Failure to introduce new products and services successfully may cause us to lose market share.
Our operations could be interrupted if our network or computer systems fail or experience a security breach.
We are subject to a variety of laws, many of which may be unclear in their application to Internet operations.
A widespread security breach on the Internet may adversely affect our deposits.
Full 10-K form ▸
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| 13610--3/14/2007--BOWNE_&_CO_INC |
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