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| related topics |
| {competitive, industry, competition} |
| {stock, price, operating} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {provision, law, control} |
| {operation, natural, condition} |
|
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Our continued pace of growth may require us to raise additional capital in the future, and unavailability of additional capital could adversely affect our financial condition and results of operations.
Our decisions regarding credit risk could be inaccurate and our allowance for loan losses may be inadequate, which would materially and adversely affect our business, financial condition, results of operations and future prospects.
If the value of real estate in one or more of our core markets were 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.
Competition from other financial institutions may adversely affect our profitability.
Increased competition due to an increased number of new bank formations may adversely affect our business, profitability and financial condition.
Our recent results may not be indicative of our future results, and may not provide guidance to assess the risk of an investment in our common stock.
Our ability to pay dividends is limited and we may be unable to pay future dividends. As a result, capital appreciation, if any, of our common stock may be your sole opportunity for gains on your investment for the foreseeable future.
We are dependent on the services of our management team and the unexpected loss of key officers may adversely affect our operations.
Our directors and executive officers own a significant portion of our common stock and can exert significant control over our business and corporate affairs
Anti-takeover provisions of our Restated Certificate of Incorporation and Bylaws could delay or prevent a takeover of us by a third party.
Risks Related to Our Industry
Our profitability is vulnerable to interest rate fluctuations.
An economic downturn or natural disaster, especially one affecting our market areas, could adversely affect our financial conditions, results of operations or cash flow.
We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business, which limitations or restrictions could adversely affect our profitability.
Full 10-K form ▸
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