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| related topics |
| {stock, price, share} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {regulation, change, law} |
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We can issue common stock and preferred stock without your approval, diluting your proportional ownership interest.
The price of our common stock may decrease, preventing you from selling your shares at a profit.
An investment in our common stock is not an insured deposit.
We face lending risks, especially with respect to our small- and medium-sized business clients.
We are limited in the amount we can lend to any individual borrower.
The current changing economic environment poses significant challenges for us.
Declines in Southern California real estate values could materially impair profitability and financial condition.
Changing interest rates may adversely affect our financial performance.
We are limited in our ability to pay cash dividends.
We are reliant upon brokered deposits and other funding alternatives that increase our cost of funds, adversely affect our operating results and may result in a shortage of financing sources.
Our future growth may be limited if we are not able to raise additional capital.
We plan to continue to grow and there are risks associated with growth.
We compete against larger banks and other institutions.
Current banking laws and regulations affect activities.
Economic conditions either nationally or locally in areas in which our operations are concentrated may adversely affect our business.
Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance.
We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations.
Failure to implement new technologies in our operations may adversely affect our growth or profits.
Full 10-K form ▸
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