|
| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {interest, director, officer} |
| {provision, law, control} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {capital, credit, financial} |
|
|
Fluctuating interest rates can adversely affect our profitability
Our allowance for loan losses may not be adequate to cover actual loan losses, which could adversely affect our earnings
Our loan portfolio contains a high percentage of commercial and commercial real estate loans in relation to our total loans and total assets
An economic downturn in the market area we serve may cause us to have lower earnings and could increase our credit risk associated with our loan portfolio
A tightening of the credit market may make it difficult to obtain available money to fund loan growth, which could adversely affect our earnings
Competition in our market area may limit our future success
There is not significant trading activity of our shares, which could result in price volatility
We would be adversely affected if we lost the services of key personnel
There are restrictions on changes in control of the Company that could decrease our shareholders chance to realize a premium on their shares
If Visa, Inc. is unable to consummate its initial public offering on the terms currently contemplated, we will not receive expected proceeds from such offering
Full 10-K form ▸
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