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| related topics |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {regulation, government, change} |
| {capital, credit, financial} |
| {control, financial, internal} |
| {provision, law, control} |
| {debt, indebtedness, cash} |
| {stock, price, share} |
| {condition, economic, financial} |
|
|
Our loan portfolio contains a high percentage of commercial and commercial real estate loans, including construction loans, in relation to our total loans and total assets.
We have a high level of nonperforming assets which has required us to significantly increase our loan loss provision.
Our allowance for loan losses may not be adequate to cover actual loan losses, which could adversely affect our earnings and capital.
The Bank is heavily dependent on brokered deposits as a funding source.
Bancorp has entered into agreements with the DFI and the FRB that restrict the Bank s operations and may adversely affect our ability to pay dividends.
The Company s independent registered public accounting firm discovered material weaknesses in the Company s internal controls over financial reporting.
Further 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.
Further tightening of the credit market may make it difficult to obtain available money to fund loan growth, which could adversely affect our earnings.
We cannot predict the effect of recent and pending federal legislation.
Our ability to access markets for funding and acquire and retain customers could be adversely affected to the extent the financial service industry and our reputation is damaged.
Fluctuating interest rates can adversely affect our profitability.
There is not significant trading activity of our shares, which could result in price volatility.
There are restrictions on changes in control of the Company that could decrease our shareholders chance to realize a premium on their shares.
The FDIC has increased insurance premiums to rebuild and maintain the federal deposit insurance fund and we may separately incur state statutory assessments in the future.
We operate in a highly regulated environment and may be adversely affected by changes in federal state and local laws and regulations.
Full 10-K form ▸
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