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| related topics |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {stock, price, share} |
| {cost, regulation, environmental} |
| {tax, income, asset} |
|
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Our Bank has experienced operating losses. We expect that any other de novo banks or branches we establish will likely experience similar start-up operating losses.
We have a limited operating history upon which to base any estimate of our future success.
Many of the loans in our loan portfolio are not seasoned which may increase the risk of credit defaults in the future.
Our concentrations of loans may create a greater risk of loan defaults and losses.
If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected.
The markets for our services are highly competitive and we face substantial competition.
Changes in interest rates could have an adverse effect on our income.
We are subject to significant government regulations that affect our operations and may result in higher operating costs or increased competition for us.
Our success will depend significantly upon general economic conditions in central Virginia and nationally.
We depend on the services of key personnel, and a loss of any of those personnel could disrupt our operations and could have a material adverse effect on our operations.
Failure to maintain effective systems of internal and disclosure control could have a material adverse effect on our results of operation and financial condition.
The success of our future recruiting efforts will impact our ability to grow.
We will not be in a position to pay dividends for the foreseeable future.
To implement our growth strategy, we must successfully identify opportunities for expansion and successfully integrate our new operations into our existing operating platform.
Full 10-K form ▸
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