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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {provision, law, control} |
| {product, market, service} |
| {stock, price, operating} |
| {stock, price, share} |
| {financial, litigation, operation} |
| {acquisition, growth, future} |
| {operation, international, foreign} |
|
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Poor economic conditions in California may cause us to suffer higher default rates on our loans.
Concentrations of real estate loans could subject us to increased risks in the event of a real estate recession or natural disaster.
The Bank may experience loan losses in excess of its allowance for loan losses.
The Bank may have difficulty managing its growth.
The Bank s earnings are subject to interest rate risk, especially if rates fall.
All of the Bank s lending involves underwriting risks, especially in a competitive lending market.
The Bank operates in a highly competitive market, and some of its competitors offer a broader range of services than the Bank provides, and have lower cost structures.
The Company might not be able to continue to pay cash dividends in the future.
The Bank has specific risks associated with Small Business Administration loans.
Another economic downturn in South Korea could cause us to incur losses with respect to certain of loans and credit transactions, exposed to the Korean Economy.
The Company and Bank s directors and executive officers control a large amount of the Company s stock, and shareholder s interests may not always be the same as those of the board and management.
Provisions in the Company s Articles of Incorporation will delay or prevent changes in control of the Company or the Company s management include:
The Company is involved in litigation.
Full 10-K form ▸
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