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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {tax, income, asset} |
|
|
Our loan portfolio possesses increased risk due to the substantial growth in the outstanding balances of multi-family and commercial real estate loans, real estate construction loans, and a significant portfolio percentage of indirect auto and consumer loans.
We have increased our construction lending which presents greater risk than one to four family and consumer lending.
Our commercial business lending activities involves greater risk than other types of lending.
A significant decline or rise in interest rates may hurt our profits, net portfolio value and equity.
The economy in our local market area may adversely affect our operations.
If our allowance for loan losses is not sufficient to cover future loan losses, our earnings could decrease.
Strong competition within our market area may limit our growth and profitability.
Loss of key personnel may hurt our operations because it may be difficult to hire qualified replacements.
If we fail to maintain an effective system of internal control over financial reporting, we may not be able to accurately report our financial results or prevent fraud, and as a result, investors and depositors could lose confidence in our financial reporting, which could adversely affect our business, the trading price of our stock, and our ability to attract additional deposits.
If external funds were not available, this could adversely impact our growth and future prospects.
We are subject to extensive government regulation and supervision.
Our information systems may experience an interruption or breach in security.
We rely on dividends from our subsidiary for most of our cash flow.
Full 10-K form ▸
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