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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {cost, operation, labor} |
| {regulation, change, law} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {system, service, information} |
| {personnel, key, retain} |
| {cost, contract, operation} |
| {loss, insurance, financial} |
| {stock, price, operating} |
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The United States is currently experiencing a severe economic recession and unprecedented credit crisis that have adversely affected the banking and financial services industry in general, and our business and financial performance, in particular, and have created substantial uncertainties and risks for our business and future financial performance
Our business and financial results could be adversely affected by bank regulatory restrictions and requirements under which we are currently operating
We could incur losses on the loans we make
Our business and financial results could be adversely affected by bank regulatory restrictions and requirements under which we are currently operating
Due to regulatory restrictions applicable to us under the MOU, we may be prevented from paying distributions on our trust preferred securities
Liquidity risk could impair our ability to fund operations and jeopardize our financial condition
We face intense competition from other banks and financial institutions that could hurt our business
Adverse changes in economic conditions in Southern California could disproportionately harm our business
Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance
Government regulations may impair our operations, restrict our growth or increase our operating costs
The loss of key personnel could hurt our financial performance
Expansion of our banking franchise might not achieve expected growth or increases in profitability and may adversely affect our operating results
Risks of our new residential mortgage lending business
Our computer and network systems may be vulnerable to unforeseen problems and security risks
We are exposed to risk of environmental liabilities with respect to properties to which we take title
Managing reputational risk is important to attracting and maintaining customers, investors and employees
The price of our common stock may be volatile or may decline
We may face other risks
Full 10-K form ▸
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