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| related topics |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {competitive, industry, competition} |
| {customer, product, revenue} |
| {operation, natural, condition} |
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Our business strategy includes the continuation of significant growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
Changes in the interest rate environment could reduce our profitability.
We could suffer loan losses from a decline in credit quality.
We are subject to the local economies in Charleston, Florence and Lexington Counties, South Carolina..
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
We face strong competition from larger, more established competitors.
If the value of real estate in our core market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us.
We face risks with respect to future expansion and acquisitions or mergers.
Hurricanes or other adverse weather events could negatively affect our local economies or disrupt our operations, which could have an adverse effect on our business or results of operations.
Our recent results may not be indicative of our future results.
Lack of seasoning of our loan portfolio may increase the risk of credit defaults in the future.
Our corporate culture has contributed to our success, and if we cannot maintain this culture as we grow, we could lose the teamwork and increased productivity fostered by our culture, which could harm our business.
As a community bank, we have different lending risks than larger banks.
We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business.
Changes in monetary policies may have an adverse effect on our business.
Full 10-K form ▸
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