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| related topics |
| {loan, real, estate} |
| {personnel, key, retain} |
| {tax, income, asset} |
| {condition, economic, financial} |
| {stock, price, share} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
|
|
Our focus on commercial and real estate loans may increase the risk of credit losses, which would negatively affect our financial results.
If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected.
If the value of real estate in our market areas was to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on our asset quality, capital structure and profitability.
Deterioration in the soundness of other financial institutions could adversely affect us.
We have been effective in a specific market niche, which creates an industry concentration.
Difficult market conditions have adversely affected our industry
We depend on the services of key personnel, and a loss of any of those personnel could disrupt our operations and result in reduced earnings.
The success of our future recruiting efforts will impact our ability to grow.
Declines in asset values may result in impairment charges and adversely affect the value of our investments, financial performance, and capital.
Our adoption of Fair Value Option (FVO) accounting may not achieve desired results.
Unexpected losses in future reporting periods may require us to establish a valuation allowance against our deferred tax assets.
Full 10-K form ▸
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