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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {control, financial, internal} |
| {tax, income, asset} |
|
|
Changes in interest rates could have an adverse effect on our income.
We have a high concentration of loans secured by real estate and a downturn in the real estate market, for any reason, could result in losses and materially and adversely affect business, financial condition, results of operations and future prospects.
We will face risks with respect to future expansion.
The success of our growth strategy depends on our ability to identify and recruit individuals with experience and relationships in the markets in which we intend to expand.
We rely heavily on our management team and the unexpected loss of any of those personnel could adversely affect our operations; we depend on our ability to attract and retain key personnel.
If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected.
Lack of seasoning of our loan portfolio may increase the risk of credit defaults in the future, which would adversely affect our financial condition and results of operation.
Our profitability may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate.
The Bank s ability to pay dividends is subject to regulatory limitations which, to the extent we require such dividends in the future, may affect our ability to pay its obligations and pay dividends.
Our business is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition.
We face strong competition from other financial institutions, financial service companies and other organizations offering services similar to those offered by us and our subsidiaries, which could hurt our business.
We may be adversely affected by economic conditions in our market area.
If we need additional 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.
Failure to maintain effective systems of internal and disclosure control could have a material adverse effect on our results of operation and financial condition.
Full 10-K form ▸
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