313337--3/28/2007--TRI_CITY_BANKSHARES_CORP

related topics
{competitive, industry, competition}
{condition, economic, financial}
{loss, insurance, financial}
{loan, real, estate}
{interest, director, officer}
{financial, litigation, operation}
{tax, income, asset}
CAUTIONARY STATEMENTS RELATING TO FORWARD-LOOKING INFORMATION AND RISK FACTORS. INCREASING INTEREST RATES COULD AFFECT OUR RESULTS AND OUR EQUITY. A SIGNIFICANT PORTION OF OUR BUSINESS IS CONCENTRATED ON SMALL TO MEDIUM BUSINESS CUSTOMERS, WHICH MAKES US MORE VULNERABLE TO ECONOMIC DOWNTURNS. THE REGISTRANT AND THE BANK OPERATE IN A HIGHLY REGULATED ENVIRONMENT, WHICH COULD INCREASE OUR COST STRUCTURE OR HAVE OTHER NEGATIVE IMPACT ON OUR OPERATIONS. IF WE HAVE SIGNIFICANT LOAN LOSSES, WE WOULD NEED TO FURTHER INCREASE OUR ALLOWANCE FOR LOAN LOSSES AND OUR EARNINGS WOULD DECREASE. IF WE HAVE UNDERESTIMATED OUR ALLOWANCE FOR LOAN LOSSES, WE MAY HAVE TO TAKE ADDITIONAL CHARGES TO OUR INCOME TO RESTORE THE BALANCE IN ALLOWANCE. A SIGNIFICANT PORTION OF OUR LENDING IS CONCENTRATED IN MORTGAGES AND CONSTRUCTION LOANS, WHICH MAKES US MORE AT RISK FOR DOWNTURNS IN THOSE AREAS. AN INCREASE IN THE COMPETITION IN MARKETS WE SERVE COULD NEGATIVELY IMPACT OUR RESULTS. WE MAY NOT BE ABLE TO EFFECTIVELY IMPLEMENT NEW TECHNOLOGY, WHICH COULD PUT AS AT A COMPETITIVE DISADVANTAGE AND NEGATIVE IMPACT OUR RESULTS. THE REGISTRANT'S SHAREHOLDERS MAY NOT BE ABLE TO LIQUIDATE THIS COMMON STOCK WHEN NEEDED.

Full 10-K form ▸
related documents
313337--3/28/2008--TRI_CITY_BANKSHARES_CORP
1113336--3/18/2009--CNB_FINANCIAL_SERVICES_INC
1035976--3/13/2009--FIRST_NATIONAL_COMMUNITY_BANCORP_INC
740942--3/16/2009--TOWER_BANCORP_INC
275119--3/31/2008--BAYLAKE_CORP
1113107--3/30/2006--FIRST_FEDERAL_BANCSHARES_INC_/DE
707855--3/17/2008--PRINCETON_NATIONAL_BANCORP_INC
883758--3/31/2008--GRAYSON_BANKSHARES_INC
1137547--3/15/2006--UNITED_SECURITY_BANCSHARES
707855--3/16/2009--PRINCETON_NATIONAL_BANCORP_INC
835012--3/30/2006--COMMONWEALTH_BANKSHARES_INC
1109848--3/28/2007--BOE_FINANCIAL_SERVICES_OF_VIRGINIA_INC
1109848--3/31/2006--BOE_FINANCIAL_SERVICES_OF_VIRGINIA_INC
707855--3/29/2010--PRINCETON_NATIONAL_BANCORP_INC
883758--4/2/2007--GRAYSON_BANKSHARES_INC
351569--3/13/2007--Ameris_Bancorp
1115568--3/31/2008--WGNB_CORP
707805--3/15/2007--USB_HOLDING_CO_INC
923139--3/17/2008--FLUSHING_FINANCIAL_CORP
910322--2/29/2008--ASTORIA_FINANCIAL_CORP
910322--3/1/2007--ASTORIA_FINANCIAL_CORP
49754--3/15/2006--IHOP_CORP
1297735--3/27/2008--American_Casino_&_Entertainment_Properties_LLC
931336--3/1/2007--DEAN_FOODS_CO
715096--3/16/2007--COMMERCE_BANCORP_INC_/NJ/
1407161--3/31/2009--Titanium_Asset_Management_Corp
1189396--3/21/2007--SOMERSET_HILLS_BANCORP
1008579--3/31/2008--HIGHLANDS_BANKSHARES_INC_/VA/
855874--3/27/2007--TRI_COUNTY_FINANCIAL_CORP_/MD/
1092099--3/9/2007--CIVITAS_BANKGROUP_INC