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| related topics |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {system, service, information} |
| {regulation, government, change} |
| {debt, indebtedness, cash} |
|
|
Current market developments may adversely affect our industry, business and results of operations.
The soundness of other financial institutions could adversely affect us.
There can be no assurance that the EESA and other recently enacted government programs will help stabilize the U.S. financial system.
The limitations on incentive compensation contained in the ARRA may adversely affect Bancorp s ability to retain its highest performing employees.
Bancorp is subject to extensive governmental regulation, which could have an adverse impact on our operations.
We may need to raise additional capital in the future and such capital may not be available when needed or at all.
Bancorp Relies on Dividends from the Bank for Most of its Revenue.
Bancorp may have higher credit losses than Bancorp s allowance for credit losses.
Risk Relating to the Completed Merger and Bank Merger.
Bancorp s growth strategy may not be successful.
The Bank is Subject to Interest Rate Risk.
If the Bank loses key employees with significant business contacts in its market areas, its business may suffer.
Bancorp s operating results and financial condition would likely suffer if there is deterioration in the general economic condition of the areas in which the Bank does business.
Bancorp is subject to security and operational risks related to the technology Bancorp uses that could result in a loss of customers, increased costs and other damages which could be material.
Bancorp faces strong competition in our market areas, which may limit our asset growth and profitability.
The Bank is Subject to Environmental Liability Risk Associated with Lending Activities.
Full 10-K form ▸
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