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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {system, service, information} |
| {loan, real, estate} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {control, financial, internal} |
| {tax, income, asset} |
| {personnel, key, retain} |
| {debt, indebtedness, cash} |
|
|
The Company s agreement with the Federal Reserve Board of Governors ( FRB ).
The Bank is subject to certain operating restrictions.
Continued deterioration of real estate markets could result in further losses for the Company as nonperforming assets take significant time to resolve and adversely affect our results of operations and financial condition.
Continued deterioration of economic conditions could hurt the financial condition of the Company and the Bank.
Tight credit markets and liquidity risk could adversely affect our business, financial condition and results of operations.
Our focus on lending to small to mid-sized community-based businesses may increase our credit risk.
Changes in net interest income and net interest margin.
The Company faces intense competition from larger, more established institutions.
The Company is dependent on management.
Governmental supervision of banking, monetary policies and intervention to stabilize the U.S. financial system may affect our business and are beyond our control.
Technology implementation problems or computer system failures could adversely affect us.
Information security breaches or other technological difficulties could adversely affect us.
Our controls over financial reporting and related governance procedures may fail or be circumvented.
The effects of legislation in response to current credit conditions may adversely affect us.
The effects of changes to FDIC insurance coverage limits are uncertain and increased premiums adversely affect us.
We may raise additional capital, which could have a dilutive effect on the existing holders of our common stock and adversely affect the market price of our common stock.
We are unable to pay cash dividends in the foreseeable future due to dividend restrictions on common stock under the Regulatory Agreement and FRB Agreement.
Full 10-K form ▸
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