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| related topics |
| {acquisition, growth, future} |
| {stock, price, operating} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {regulation, change, law} |
| {loss, insurance, financial} |
| {provision, law, control} |
| {operation, natural, condition} |
|
|
Our business strategy historically included the pursuit of a strong growth strategy, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
Our plans for future expansion and bank acquisitions depend, in some instances, on factors beyond our control, and an unsuccessful attempt to achieve growth through acquisitions could have a material adverse effect on our business, financial condition, results of operations and future prospects.
Current economic conditions 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.
Competition from other financial institutions may adversely affect our profitability.
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 stock price is volatile
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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