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| related topics |
| {stock, price, share} |
| {loan, real, estate} |
| {financial, litigation, operation} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {system, service, information} |
| {product, market, service} |
| {cost, operation, labor} |
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Risks Related to the Company s Business
Losses from loan defaults may exceed the allowance the Company establishes for that purpose, which could have an adverse effect on the Company s business.
If real estate values in the Company s target markets decline, the loan portfolio would be impaired.
The Company s subsidiary banks face strong competition in their market areas, which may limit their asset growth and profitability.
The Company relies, in part, on external financing to fund the Company s operations and the unavailability of such funds in the future could adversely impact the Company s growth strategy and prospects.
The Company s business is subject to interest rate risk and variations in interest rates may negatively affect the Company s financial performance.
The Company is subject to extensive regulation which could adversely affect the Company including changes in U.S. Mexico trade and travel along the Texas border.
The effects of the proceedings pending with the Internal Revenue Service regarding the Company s lease financing transactions could adversely affect the Company.
The Company s potential future acquisitions could be adversely affected by a number of factors.
The Company relies heavily on its chief executive officer.
System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
Risks Related to the Company s Industry
Changes in economic and political conditions could adversely affect the Company s earnings, as our borrowers ability to repay loans and the value of the collateral securing our loans decline.
The Company depends on the accuracy and completeness of information about customers and counterparties.
If the Company does not adjust to rapid changes in the financial services industry, its financial performance may suffer.
Risks Related to the Company s Stock
The Company s stock price may be volatile.
The holders of our junior subordinated debentures have rights that are senior to those of our shareholders.
Risks Related to Participation in the CPP
We may be adversely affected as a result of the CPP.
You may not receive dividends on the common stock.
We may experience increases in the cost of compensation programs.
We may lose members of our management team due to compensation restrictions.
Full 10-K form ▸
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