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| related topics |
| {regulation, change, law} |
| {acquisition, growth, future} |
| {operation, international, foreign} |
| {stock, price, share} |
| {stock, price, operating} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {product, market, service} |
| {financial, litigation, operation} |
| {personnel, key, retain} |
| {operation, natural, condition} |
| {condition, economic, financial} |
|
|
We face strong competition from other financial services providers.
Our business is subject to the success of the economic conditions of the United States and the markets in which we operate.
Our recent operating results may not be indicative of our future operating results.
Risks associated with unpredictable economic and political conditions may be amplified as a result of our limited market areas.
If our allowance for loan losses is not sufficient to cover actual loan losses, or if credit delinquencies increase, our earnings could decrease.
Departures of our key personnel may harm our ability to operate successfully.
We may face risks with respect to the future expansion of our business.
Future growth may require us to raise additional capital, but that capital may not be available when it is needed.
We are subject to extensive regulation that could limit or restrict our activities and adversely affect our earnings.
The monetary policies and laws of the United States, including interest rate policies of the Federal Reserve Board, could affect our earnings.
Fluctuations in our expenses and other costs may hurt our financial results.
We must respond to rapid technological changes and these changes may be more difficult or expensive than anticipated.
Changes in accounting policies and practices, as may be adopted by the regulatory agencies, the Financial Accounting Standards Board, or other authoritative bodies, could materially impact our financial statements.
The costs and effects of litigation, investigations or similar matters, or adverse facts and developments related thereto, could materially affect our business, operating results and financial condition.
Various domestic or international military or terrorist activities or conflicts could affect our business and financial condition.
Our directors and executive officers own a significant portion of our common stock.
The trading volume in our common stock has been low, and the sale of substantial amounts of our common stock in the public market could depress the price of our common stock.
Our ability to pay dividends is limited and we may be unable to pay future dividends.
Full 10-K form ▸
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