|
| related topics |
| {stock, price, share} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {provision, law, control} |
| {debt, indebtedness, cash} |
| {condition, economic, financial} |
|
|
Our business strategy includes the continuation of significant growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
We may face risks with respect to future expansion
If the value of real estate in our core market areas were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us.
Interest rate volatility could significantly harm our business.
We may have higher loan losses than our allowance for loan losses.
The building of market share through our de novo branching strategy could cause our expenses to increase faster than our revenues.
If we lose key employees with significant business contacts in our market area, our business may suffer.
Government regulations may prevent or impair our ability to pay dividends, engage in acquisitions, or operate in other ways.
Our trading volume has been low compared with larger banks and bank holding companies and the sale of substantial amounts of our common stock in the public market could depress the price of our common stock.
We face strong competition in our market area, which may limit our asset growth and profitability.
Our Articles of Incorporation include anti-takeover provisions that may prevent shareholders from receiving a premium for their shares or effecting a transaction favored by a majority of shareholders.
Our common stock is not FDIC insured.
Full 10-K form ▸
|
|
| related documents |
| 1013796--3/14/2006--TIB_FINANCIAL_CORP. |
| 1042729--3/14/2008--MERCANTILE_BANK_CORP |
| 1304994--3/13/2006--TD_BANKNORTH_INC. |
| 1042729--3/13/2007--MERCANTILE_BANK_CORP |
| 1115055--2/24/2006--PINNACLE_FINANCIAL_PARTNERS_INC |
| 1051379--3/14/2008--MIDWEST_BANC_HOLDINGS_INC |
| 701853--3/13/2006--BANCORPSOUTH_INC |
| 704172--10/13/2010--PHI_GROUP_INC |
| 1063997--3/27/2008--HARRINGTON_WEST_FINANCIAL_GROUP_INC/CA |
| 908837--3/16/2006--NB&T_FINANCIAL_GROUP_INC |
| 37808--3/16/2006--FNB_CORP/FL/ |
| 1304994--2/28/2007--TD_BANKNORTH_INC. |
| 874495--3/17/2008--JEFFERSONVILLE_BANCORP |
| 742054--3/14/2006--NBC_CAPITAL_CORP |
| 1383756--3/16/2010--Dussault_Apparel_Inc. |
| 719402--3/27/2006--FIRST_NATIONAL_CORP_/VA/ |
| 1402394--9/20/2010--Bow_Valley_Ventures_Inc. |
| 821899--9/14/2010--TERRACE_VENTURES_INC |
| 1366367--3/31/2008--YADKIN_VALLEY_FINANCIAL_CORP |
| 874495--3/16/2007--JEFFERSONVILLE_BANCORP |
| 1023860--4/2/2007--STEWARDSHIP_FINANCIAL_CORP |
| 1115055--3/7/2008--PINNACLE_FINANCIAL_PARTNERS_INC |
| 1074433--11/29/2007--CAPITOL_FEDERAL_FINANCIAL |
| 1136463--1/29/2010--FIRST_CORP_/CN/ |
| 1078383--3/30/2006--IPARTY_CORP |
| 1400891--3/16/2010--CC_Media_Holdings_Inc |
| 1047537--3/29/2006--PSB_BANCORP_INC |
| 109177--3/9/2010--HARBINGER_GROUP_INC. |
| 753682--3/16/2006--MERCHANTS_&_MANUFACTURERS_BANCORPORATION_INC |
| 891523--3/24/2006--CENTRUE_FINANCIAL_CORP |
|