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| related topics |
| {regulation, change, law} |
| {cost, operation, labor} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {provision, law, control} |
| {stock, price, share} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {system, service, information} |
| {personnel, key, retain} |
| {stock, price, operating} |
| {interest, director, officer} |
| {financial, litigation, operation} |
|
|
We depend on the services of key personnel.
Our future success is dependent on our ability to compete effectively in a highly competitive banking industry.
Because of our business of lending for construction and land development, a downturn in real estate markets could increase our credit losses and negatively affect our financial results.
We serve a limited market area, and an economic downturn in our market area could adversely affect our business.
If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected.
Changes in interest rates could negatively impact our results of operations.
Governmental and regulatory changes may adversely affect our cost structure.
We face a variety of threats from technology based frauds and scams.
If we need capital in the future to continue our growth, we may not be able to obtain it on terms that are favorable. This could negatively affect our performance and the value of our common stock.
Banking regulators have broad enforcement power, but regulations are meant to protect depositors, and not investors.
Trading in our common stock has been sporadic and volume has been light. As a result, shareholders may not be able to quickly and easily sell their common stock.
Virginia law and the provisions of our articles of incorporation and bylaws could deter or prevent takeover attempts by a potential purchaser of our common stock that would be willing to pay you a premium for your shares of our common stock.
Our directors and officers have significant voting power.
Risks Related to the Merger
If the Merger is not completed, we will have incurred substantial expenses without realizing the expected benefits.
The Merger may distract our management from its other responsibilities.
The Merger must be approved by multiple governmental agencies.
We may fail to realize all of the anticipated benefits of the Merger.
Full 10-K form ▸
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