|
| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {provision, law, control} |
| {cost, operation, labor} |
| {acquisition, growth, future} |
| {debt, indebtedness, cash} |
|
|
We may not be able to maintain and manage our growth, which may adversely affect our results of operations and financial condition and the value of our common stock.
Changes in interest rates affect our interest margins, which can adversely affect our profitability.
Our profitability depends significantly on economic conditions in our market area.
If we lose key employees with significant business contacts in our market area, our business may suffer.
If we experience greater loan losses than anticipated, it will have an adverse effect on our net income.
In order to be profitable, we must compete successfully with other financial institutions which have greater resources and capabilities than we do.
New or acquired branch facilities and other facilities may not be profitable.
Government regulations may prevent or impair our ability to pay dividends, engage in additional acquisitions, or operate in other ways.
Our stock trading volume has been low compared with larger financial holding companies.
Our articles of incorporation include anti-takeover provisions that may prevent stockholders from receiving a premium for their shares or effecting a transaction favored by a majority of stockholders.
Our securities are not FDIC insured.
Full 10-K form ▸
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