|
| related topics |
| {acquisition, growth, future} |
| {system, service, information} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {product, market, service} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {stock, price, share} |
| {condition, economic, financial} |
| {regulation, change, law} |
|
|
Our profitability is dependent upon the health of the markets in which we operate.
Our growth must be effectively managed and our growth strategy involves risks that may impact our net income.
We must compete with other banks and financial institutions in all lines of business.
Interest rates and other conditions impact our results of operations.
We must effectively manage our credit risk.
Our allowance for loan losses must be managed to provide a sufficient amount to absorb potential losses in our loan portfolio.
Our continued pace of growth may require us to raise additional capital in the future, which may not be available when it is needed.
Our ability to attract and retain management and key personnel may affect future growth and earnings.
Government regulation can result in limitations on our operations.
Technology is continually changing and we must effectively implement new technologies.
There is a limited trading market for our common shares, and shareholders may not be able to resell shares at or above the price shareholders paid for them.
System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
We are subject to certain operational risks, including, but not limited to, customer or employee fraud and data processing system failures and errors.
Our loan portfolio has a large concentration of real estate loans, which involve risks specific to real estate value.
Our construction and development loans are based upon estimates of costs and value associated with the complete project. These estimates may be inaccurate and we may be exposed to more losses on these projects than on other loans.
Full 10-K form ▸
|
|
| related documents |
| 99771--3/16/2006--TRINITY_CAPITAL_CORP |
| 99771--3/17/2008--TRINITY_CAPITAL_CORP |
| 1099668--3/29/2006--FIRST_OTTAWA_BANCSHARES_INC |
| 906465--3/6/2009--QCR_HOLDINGS_INC |
| 1084727--3/12/2008--NEXITY_FINANCIAL_CORP |
| 1084727--3/14/2007--NEXITY_FINANCIAL_CORP |
| 719402--3/27/2006--FIRST_NATIONAL_CORP_/VA/ |
| 1084727--3/22/2006--NEXITY_FINANCIAL_CORP |
| 1077771--2/26/2008--UMPQUA_HOLDINGS_CORP |
| 742679--3/16/2007--FNB_FINANCIAL_SERVICES_CORP |
| 891523--3/24/2006--CENTRUE_FINANCIAL_CORP |
| 854399--3/6/2006--PREMIER_COMMUNITY_BANKSHARES_INC |
| 1051379--3/14/2008--MIDWEST_BANC_HOLDINGS_INC |
| 707886--3/18/2010--UNITED_COMMUNITY_FINANCIAL_CORP |
| 714530--3/17/2008--NEWBRIDGE_BANCORP |
| 1001250--8/28/2007--ESTEE_LAUDER_COMPANIES_INC |
| 1063997--3/27/2008--HARRINGTON_WEST_FINANCIAL_GROUP_INC/CA |
| 27996--2/16/2007--DELUXE_CORP |
| 883758--4/2/2007--GRAYSON_BANKSHARES_INC |
| 1060523--3/15/2007--CARDINAL_FINANCIAL_CORP |
| 726517--3/16/2009--MERCHANTS_BANCSHARES_INC |
| 1189396--3/20/2009--SOMERSET_HILLS_BANCORP |
| 1060523--3/6/2006--CARDINAL_FINANCIAL_CORP |
| 1015856--3/27/2006--ST_JOSEPH_CAPITAL_CORP |
| 39911--3/28/2006--GAP_INC |
| 714530--3/16/2009--NEWBRIDGE_BANCORP |
| 883758--3/31/2008--GRAYSON_BANKSHARES_INC |
| 37808--3/16/2006--FNB_CORP/FL/ |
| 1068912--9/15/2008--FIRST_PLACE_FINANCIAL_CORP_/DE/ |
| 764478--5/10/2006--BEST_BUY_CO_INC |
|