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| related topics |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {financial, litigation, operation} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {provision, law, control} |
| {personnel, key, retain} |
| {stock, price, share} |
| {regulation, change, law} |
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Our profitability depends significantly on local economic conditions.
Our business strategy includes the continuation of our 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.
We may face risks with respect to future acquisitions.
Our allowance for loan losses could become inadequate and reduce our earnings and capital.
Liquidity needs could adversely affect our results of operations and financial condition.
We are subject to extensive regulation that could limit or restrict our activities and adversely affect our earnings.
Our recent results may not be indicative of our future results.
Our hedging strategies may not be successful in managing our risks associated with interest rates.
The profitability of the Mortgage Corporation will be significantly reduced if we are not able to sell mortgages.
We may be exposed to greater risks from offering non-conforming mortgage loans.
Our small-to medium-sized business target market may have fewer financial resources to weather a downturn in the economy.
We depend on the accuracy and completeness of information about clients and counterparties.
Negative public opinion could damage our reputation and adversely impact our earnings.
We depend on the services of key personnel, and a loss of any of those personnel could disrupt our operations and result in reduced revenues.
We may need to invest in new technology to compete effectively, and that could have a negative effect on our operating results and the value of our common stock.
Our ability to pay dividends is subject to regulatory restrictions, and we may be unable to pay future dividends.
Certain provisions under our articles of incorporation and applicable law, in addition to the ownership position of certain shareholders, may make it difficult for others to obtain control of our Corporation even if such a change in control may be favored by some shareholders.
Full 10-K form ▸
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