|
| related topics |
| {acquisition, growth, future} |
| {stock, price, share} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {regulation, change, law} |
| {cost, operation, labor} |
| {competitive, industry, competition} |
| {provision, law, control} |
|
|
Risks Associated with our Continued Operations
We may not be able to maintain and manage our growth, which may adversely affect our results of operations and financial condition and the value of our common stock.
Changes in interest rates may reduce our profitability.
Our profitability depends significantly on economic conditions in our market area.
If we experience greater loan losses than anticipated, it will have an adverse effect on our net income.
The lack of seasoning of our loan portfolio makes it difficult to assess the adequacy of our loan loss reserves accurately.
New or acquired bank office facilities and other facilities may not be profitable.
We rely heavily on the services of key personnel.
The success of our growth strategy depends on our ability to identify and retain individuals with experience and relationships in the markets in which we intend to expand.
In order to be profitable, we must compete successfully with other financial institutions which have greater resources and capabilities than we do.
Our recent operating results may not be indicative of our future operating results.
We are subject to extensive regulation that could limit or restrict our activities.
Our growth may require us to raise additional capital that may not be available when it is needed, or at all.
Efforts to comply with the Sarbanes-Oxley Act will involve significant expenditures, and non-compliance with the Sarbanes-Oxley Act may adversely affect us.
Risks Related to an Investment in our Common Stock
We do not plan to pay cash dividends for the foreseeable future.
We have implemented anti-takeover devices that could make it more difficult for another company to acquire us, even though such an acquisition may increase shareholder value.
Our securities are not FDIC insured.
The holder of our junior subordinated debenture has rights that are senior to those of our common shareholders.
Full 10-K form ▸
|
|
| related documents |
| 1106980--3/29/2007--AMERICAN_COMMUNITY_BANCSHARES_INC |
| 1106980--3/13/2008--AMERICAN_COMMUNITY_BANCSHARES_INC |
| 1038773--3/28/2007--CORNERSTONE_BANCSHARES_INC |
| 883948--3/16/2009--UNION_BANKSHARES_CORP |
| 775662--3/7/2008--VIST_FINANCIAL_CORP |
| 1058438--3/9/2009--CFS_BANCORP_INC |
| 1038773--3/17/2008--CORNERSTONE_BANCSHARES_INC |
| 1293314--3/16/2006--SNB_Bancshares_Inc |
| 354869--3/2/2006--FIRSTMERIT_CORP_/OH/ |
| 1370292--10/19/2009--VERIFY_SMART_CORP. |
| 1035770--3/31/2006--VAIL_BANKS_INC |
| 1340095--3/31/2008--GlenRose_Instruments_Inc. |
| 713002--7/14/2008--FLOW_INTERNATIONAL_CORP |
| 1267201--3/16/2010--SEABRIGHT_INSURANCE_HOLDINGS_INC |
| 1013796--3/12/2007--TIB_FINANCIAL_CORP. |
| 354869--2/28/2007--FIRSTMERIT_CORP_/OH/ |
| 1058438--3/7/2008--CFS_BANCORP_INC |
| 1156953--3/16/2007--GATEWAY_FINANCIAL_HOLDINGS_INC |
| 1156953--3/31/2006--GATEWAY_FINANCIAL_HOLDINGS_INC |
| 1267201--3/16/2007--SEABRIGHT_INSURANCE_HOLDINGS_INC |
| 1102112--3/2/2009--PACWEST_BANCORP |
| 778946--3/3/2008--BLUEGREEN_CORP |
| 886432--3/30/2007--Health_Fitness_Corp_/MN/ |
| 1263762--3/22/2006--NEW_CENTURY_BANCORP_INC |
| 701719--4/2/2007--DGSE_COMPANIES_INC |
| 99302--6/24/2009--TRANSCAT_INC |
| 1063997--3/23/2007--HARRINGTON_WEST_FINANCIAL_GROUP_INC/CA |
| 1366367--3/16/2007--YADKIN_VALLEY_FINANCIAL_CORP |
| 775662--3/31/2010--VIST_FINANCIAL_CORP |
| 1038205--3/12/2007--BANK_OF_THE_OZARKS_INC |
|