|
| related topics |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {debt, indebtedness, cash} |
| {loss, insurance, financial} |
| {product, market, service} |
| {operation, natural, condition} |
| {system, service, information} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {acquisition, growth, future} |
| {capital, credit, financial} |
|
|
The Company s financial performance is subject to interest rate risk
The deterioration of local economic conditions in the Company s market area could hurt profitability
Concentrations in commercial and industrial loans, real estate-secured commercial loans, and real estate construction loans, may expose the Company to increased lending risks, especially in the event of a recession
The Company faces strong competition, which may adversely affect its operating results.
The Company s growth and expansion strategy may not prove to be successful and as a result, its market value and profitability may suffer.
The loss of any of the Company s executive officers or key personnel could be damaging to the business.
The Company could experience loan losses, which exceed the overall allowance for loan losses.
The Company may become subject to environmental liability risk associated with lending activities
The regulatory environment under which the Company operates may have an adverse impact on the banking industry.
If the Company lost a significant portion of its low-cost core deposits, it would negatively impact profitability.
The Company s Internal controls and procedures may fail or be circumvented
The Company s information systems may experience an interruption or breach in security
The Company continually encounters technological change
The Company relies on dividends from its subsidiaries for most of its revenue
The holders of the Company s junior subordinated debentures have rights that are senior to those of the Company s shareholders
Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact the Company s business.
Full 10-K form ▸
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