|
| related topics |
| {control, financial, internal} |
| {loan, real, estate} |
| {product, market, service} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {regulation, government, change} |
| {debt, indebtedness, cash} |
| {loss, insurance, financial} |
|
|
If the Company has higher loan losses than it has allowed for, its earnings could materially decrease
A significant amount of the Company s loans are concentrated in northeastern Massachusetts and southern New Hampshire, and adverse conditions in this area could negatively impact its operations.
The Company operates in a highly regulated environment and may be adversely impacted by changes in law and regulations
The Company has strong competition within its market area which may limit the Company s growth and profitability
The success of the Company is dependent on retaining certain key personnel or attracting and retaining additional, qualified personnel
The Company continues to encounter technological change, and may have fewer resources than many of its larger competitors to continue to invest in technological improvements.
The Company relies on dividends from the Bank for substantially all of its revenue
When the Company becomes subject to SEC requirements under Section 404 of the Sarbanes-Oxley Act of 2002, it will likely incur significant costs in connection with first providing internal control reports.
When the Company becomes subject to SEC requirements under Section 404 of the Sarbanes-Oxley Act of 2002, if its internal control reports disclose significant deficiencies or material weaknesses, its stockholders and lenders could lose confidence in its financial reporting, which would likely harm the trading price of its stock, its access to additional capital, and its liquidity.
Full 10-K form ▸
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