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| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {stock, price, operating} |
| {personnel, key, retain} |
| {system, service, information} |
| {cost, regulation, environmental} |
| {product, liability, claim} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
|
|
If a significant number of clients fail to perform under their loans, our business, profitability, and financial condition would be adversely affected.
Increases in our allowance for loan losses
could materially affect our earnings adversely
Banking organizations are subject to interest rate risk and variations in interest rates may negatively affect our financial performance
The profitability of Wilshire Bancorp will be dependent on the profitability of the Bank.
Wilshire Bancorp relies heavily on the payment of dividends from the Bank.
The holders of recently issued debentures have rights that are senior to those of our shareholders.
Adverse changes in domestic or global economic conditions, especially in California, could have a material adverse effect on our business, growth, and profitability.
Maintaining or increasing our market share depends on market acceptance and regulatory approval of new products and services.
Significant reliance on loans secured by real estate may increase our vulnerability to downturns in the California real estate market and other variables impacting the value of real estate.
If we fail to retain our key employees, our growth and profitability could be adversely affected.
We may be unable to manage future growth.
We could be liable for breaches of security in our online banking services. Fear of security breaches could limit the growth of our online services.
Our directors and executive officers beneficially own a significant portion of our outstanding common stock.
The market for our common stock is limited, and potentially subject to volatile changes in price.
Additional shares of our common stock issued in the future could have a dilutive effect.
Shares of our preferred stock issued in the future could have dilutive and other effects.
We face substantial competition in our primary market area.
We are subject to significant government regulation and legislation that increases the cost of doing business and inhibits our ability to compete.
We could be negatively impacted by downturns in the South Korean economy.
Full 10-K form ▸
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