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| related topics |
| {acquisition, growth, future} |
| {stock, price, share} |
| {regulation, change, law} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {provision, law, control} |
| {cost, operation, labor} |
| {debt, indebtedness, cash} |
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We may not be able to maintain and manage our growth, which may adversely affect our results of operations and financial condition and the value of our common stock.
Changes in interest rates affect our interest margins, which can adversely affect our profitability.
Our profitability depends significantly on economic conditions in our market area.
If we lose key employees with significant business contacts in our market area, our business may suffer.
If we experience greater loan losses than anticipated, it will have an adverse effect on our net income.
In order to be profitable, we must compete successfully with other financial institutions which have greater resources and capabilities than we do.
New or acquired branch facilities and other facilities may not be profitable.
Government regulations may prevent or impair our ability to pay dividends, engage in additional acquisitions, or operate in other ways.
Our stock trading volume has been low compared with larger bank holding companies.
Our articles of incorporation include anti-takeover provisions that may prevent shareholders from receiving a premium for their shares or effecting a transaction favored by a majority of shareholders.
Our securities are not FDIC insured.
Our recent operating results may not be indicative of our future operating results.
We are subject to extensive regulation that could limit or restrict our activities.
Our growth may require us to raise additional capital that may not be available when it is needed, or at all.
Efforts to comply with the Sarbanes-Oxley Act will involve significant expenditures, and non-compliance with the Sarbanes-Oxley Act may adversely affect us.
The holder of our junior subordinated debenture has rights that are senior to those of our common shareholders.
Full 10-K form ▸
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