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| related topics |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {stock, price, share} |
| {personnel, key, retain} |
| {provision, law, control} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
| {cost, operation, labor} |
| {condition, economic, financial} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
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We have a concentration of credit exposure to borrowers in certain industries and we also target small to medium-sized businesses.
With our recent acquisitions of Cavalry and Mid-America, we significantly increased our real estate construction and development loans, which have a greater credit risk than residential mortgage loans.
We may not be able to successfully integrate Mid-America s operations with ours or realize the anticipated benefits of our merger with Mid-America.
We may incur significant costs integrating Mid-America
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings will decrease.
Fluctuations in interest rates could reduce our profitability.
National or state legislation or regulation may increase our expenses and reduce earnings
Loss of our senior executive officers or other key employees could impair our relationship with our customers and adversely affect our business.
Competition with other banking institutions could adversely affect our profitability.
We may issue additional common stock or other equity securities in the future which could dilute the ownership interest of existing shareholders.
Even though our common stock is currently traded on the Nasdaq Stock Market s Global Select Market, it has less liquidity than many other stocks quoted on a national securities exchange.
If a change in control or change in management is delayed or prevented, the market price of our common stock could be negatively affected.
Holders of Pinnacle Financial s bank indebtedness and junior subordinated debentures have rights that are senior to those of Pinnacle Financial s common shareholders.
Full 10-K form ▸
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