|
| related topics |
| {condition, economic, financial} |
| {control, financial, internal} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {product, market, service} |
| {system, service, information} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
|
|
WE DO NOT HAVE A HISTORY OF PROFITABILITY.
THE COMPANY'S BUSINESS HAS BEEN AND MAY CONTINUE TO BE ADVERSELY AFFECTED BY VOLATILE CONDITIONS IN THE FINANCIAL MARKETS AND ADVERSE ECONOMIC CONDITIONS GENERALLY.
POOR ECONOMIC CONDITIONS IN THE SOUTHERN CALIFORNIA REAL ESTATE MARKET MAY CAUSE US TO SUFFER HIGHER DEFAULT RATES ON OUR LOANS AND DECREASED VALUE OF THE ASSETS WE HOLD AS COLLATERAL.
WE MAY SUFFER LOSSES IN OUR LOAN PORTFOLIO DESPITE ADHERENCE TO PRUDENT UNDERWRITING PRACTICES.
WE COULD BE AT A DISADVANTAGE WHEN COMPETING FOR DEPOSITS AND LOANS WITH LARGER INSTITUTIONS THAT HAVE LARGER LENDING LIMITS AND ESTABLISHED CUSTOMER CONTACTS.
WE ARE DEPENDENT ON KEY PERSONNEL AND THE LOSS OF ONE OR MORE OF THOSE KEY PERSONNEL MAY MATERIALLY AND ADVERSELY AFFECT OUR PROSPECTS.
WE FACE LIMITS ON OUR ABILITY TO LEND.
INTEREST RATE FLUCTUATIONS AND OTHER CONDITIONS WHICH ARE OUT OF OUR CONTROL COULD HARM PROFITABILITY.
WE RELY ON COMMUNICATIONS, INFORMATION, OPERATING AND FINANCIAL CONTROL SYSTEMS TECHNOLOGY FROM THIRD-PARTY SERVICE PROVIDERS.
WE WILL BE REQUIRED TO COMPLY WITH THE SARBANES-OXLEY ACT ("SOX") OF 2002-SECTION 404.
RECENTLY ENACTED LEGISLATION AND THE COMPANY'S PARTICIPATION IN THE TARP CAPITAL PURCHASE PROGRAM MAY INCREASE COSTS AND LIMIT THE COMPANY'S ABILITY TO PURSUE BUSINESS OPPORTUNITIES.
THE COMPANY'S EXPENSES WILL INCREASE AS A RESULT OF INCREASES IN FDIC INSURANCE PREMIUMS.
Full 10-K form ▸
|
|
| related documents |
| 1387632--3/30/2009--Manhattan_Bancorp |
| 865911--3/6/2007--CASCADE_BANCORP |
| 1009976--3/31/2008--COMMERCIAL_BANCSHARES_INC_\OH\ |
| 812906--4/17/2008--HANCOCK_FABRICS_INC |
| 1387632--3/21/2008--Manhattan_Bancorp |
| 1009976--3/31/2009--COMMERCIAL_BANCSHARES_INC_\OH\ |
| 707855--3/29/2010--PRINCETON_NATIONAL_BANCORP_INC |
| 1368883--3/17/2008--SAN_JOAQUIN_BANCORP |
| 796317--3/17/2008--ALLIANCE_FINANCIAL_CORP_/NY/ |
| 796317--3/15/2007--ALLIANCE_FINANCIAL_CORP_/NY/ |
| 922237--3/26/2010--ENOVA_SYSTEMS_INC |
| 922237--3/31/2009--ENOVA_SYSTEMS_INC |
| 707855--3/16/2009--PRINCETON_NATIONAL_BANCORP_INC |
| 1143848--3/28/2007--LSB_CORP |
| 724742--4/25/2008--SYMS_CORP |
| 801337--2/27/2007--WEBSTER_FINANCIAL_CORP |
| 801337--3/10/2006--WEBSTER_FINANCIAL_CORP |
| 730030--3/30/2007--COMM_BANCORP_INC |
| 1143848--3/15/2010--LSB_CORP |
| 85974--2/24/2006--RYLAND_GROUP_INC |
| 37808--3/2/2009--FNB_CORP/FL/ |
| 919865--3/23/2009--FENTURA_FINANCIAL_INC |
| 1181001--3/31/2008--ALLIANCE_BANKSHARES_CORP |
| 1179500--3/29/2007--COMMUNITY_FIRST_INC |
| 1006424--3/6/2008--FIRST_FEDERAL_BANCSHARES_OF_ARKANSAS_INC |
| 714712--3/13/2009--JUNIATA_VALLEY_FINANCIAL_CORP |
| 913072--2/26/2007--MERRILL_MERCHANTS_BANCSHARES_INC |
| 846931--3/30/2006--NEW_HAMPSHIRE_THRIFT_BANCSHARES_INC |
| 774517--6/25/2009--AMERICAN_CLAIMS_EVALUATION_INC |
| 1177070--3/31/2009--MOUNTAIN_NATIONAL_BANCSHARES_INC |
|