|
| related topics |
| {acquisition, growth, future} |
| {stock, price, share} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {capital, credit, financial} |
| {product, market, service} |
| {system, service, information} |
| {personnel, key, retain} |
| {provision, law, control} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {debt, indebtedness, cash} |
|
|
Risks Related To The Company s Business
Competition in the banking industry is intense.
The Company operates in a heavily regulated environment.
The Company and its subsidiaries are subject to examinations and challenges by taxing authorities, and tax laws or interpretations of existing laws may change.
Changes in the policies of monetary authorities could adversely affect the Company s profitability.
The Company s business is concentrated in the suburban Chicago metropolitan area, and a downturn in the economy of this area may adversely affect the Company s business.
Changes in interest rates could have an adverse effect on the Company s income.
Changes in the reserve for loan losses could affect profitability.
The Company is a bank holding company, and its sources of funds are limited.
The Company is subject to environmental liability risk associated with lending activities.
Future acquisitions may disrupt the Company s business, dilute stockholder value, and adversely affect operating results.
Competition for acquisition candidates is intense.
The Company s continued pace of growth may require it to raise additional capital in the future, but that capital may not be available when it is needed.
Any reduction in the Company s credit ratings could increase its financing costs.
The Company s business is continually subject to technological change, and it may have fewer resources than its competition to continue to invest in technological improvements.
The Company may not be able to attract and retain skilled people.
The Company s information systems may experience an interruption or breach in security.
Consumers and businesses may decide not to use banks to complete their financial transactions.
Risks Related to the Securities Markets
Substantial sales of the Company s common stock could cause its stock price to fall.
The Company s Restated Certificate of Incorporation, Amended and Restated By-Laws, and Amended and Restated Rights Agreement as well as certain banking laws may have an anti-takeover effect.
The Company may issue additional securities, which could dilute the ownership percentage of holders of the Company s common stock.
Full 10-K form ▸
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