|
| related topics |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {debt, indebtedness, cash} |
| {loss, insurance, financial} |
| {loan, real, estate} |
| {tax, income, asset} |
| {personnel, key, retain} |
| {control, financial, internal} |
|
|
PNBC s concentration of agricultural loans is subject to risks that could adversely affect earnings.
Changes in interest rates could adversely impact the financial condition and results of operations.
The allowance for loan losses may not be sufficient to cover actual loan losses decreasing earnings.
A sustained weakness or weakening in business and economic conditions generally or specifically in the markets in which we do business could adversely affect our business and operating results.
If our stock price declines from levels at December 31, 2008, we will further evaluate our goodwill balances for impairment, and if the values of our businesses have declined, we could recognize an impairment charge for our goodwill.
If the Bank or holding company were unable to borrow funds through access to capital markets, we may not be able to meet the cash flow requirements of our depositors, creditors, and borrowers, or the operating cash needed to fund corporate expansion and other corporate activities.
The Internal Controls of PNBC may not be effective.
There is competition within the PNBC market areas which may limit growth and profitability.
The success of PNBC is dependent on hiring and retaining key personnel.
PNBC operates in a highly regulated environment.
Full 10-K form ▸
|
|
| related documents |
| 707855--3/29/2010--PRINCETON_NATIONAL_BANCORP_INC |
| 1137547--3/15/2006--UNITED_SECURITY_BANCSHARES |
| 1109848--3/28/2007--BOE_FINANCIAL_SERVICES_OF_VIRGINIA_INC |
| 1109848--3/31/2006--BOE_FINANCIAL_SERVICES_OF_VIRGINIA_INC |
| 1113336--3/18/2009--CNB_FINANCIAL_SERVICES_INC |
| 707855--3/17/2008--PRINCETON_NATIONAL_BANCORP_INC |
| 1009976--3/31/2008--COMMERCIAL_BANCSHARES_INC_\OH\ |
| 1008579--3/31/2009--HIGHLANDS_BANKSHARES_INC_/VA/ |
| 923139--3/17/2008--FLUSHING_FINANCIAL_CORP |
| 741516--3/15/2007--AMERICAN_NATIONAL_BANKSHARES_INC |
| 1115568--3/31/2008--WGNB_CORP |
| 943119--3/12/2008--FNBH_BANCORP_INC |
| 1263074--3/15/2007--PORTEC_RAIL_PRODUCTS_INC |
| 1036070--3/14/2006--VIRGINIA_FINANCIAL_GROUP_INC |
| 1008579--3/31/2008--HIGHLANDS_BANKSHARES_INC_/VA/ |
| 1143155--3/16/2007--HAMPTON_ROADS_BANKSHARES_INC |
| 863557--2/28/2007--SWIFT_TRANSPORTATION_CO_INC |
| 850626--3/22/2006--FULTON_BANCSHARES_CORP |
| 1381668--11/27/2009--TFS_Financial_CORP |
| 850606--6/26/2006--COMMUNITY_FINANCIAL_CORP_/VA/ |
| 910322--2/29/2008--ASTORIA_FINANCIAL_CORP |
| 1006424--3/15/2007--FIRST_FEDERAL_BANCSHARES_OF_ARKANSAS_INC |
| 872835--3/17/2008--ESB_FINANCIAL_CORP |
| 872835--3/12/2007--ESB_FINANCIAL_CORP |
| 1009976--3/31/2009--COMMERCIAL_BANCSHARES_INC_\OH\ |
| 1035976--3/13/2009--FIRST_NATIONAL_COMMUNITY_BANCORP_INC |
| 740942--3/16/2009--TOWER_BANCORP_INC |
| 764241--3/12/2007--INTEGRA_BANK_CORP |
| 910322--3/1/2007--ASTORIA_FINANCIAL_CORP |
| 19612--3/1/2007--CHEMICAL_FINANCIAL_CORP |
|