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| related topics |
| {condition, economic, financial} |
| {stock, price, share} |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {financial, litigation, operation} |
| {operation, natural, condition} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {system, service, information} |
| {debt, indebtedness, cash} |
| {product, market, service} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {provision, law, control} |
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Risks Related To Our Business
We Are Subject To Interest Rate Risk
We Are Subject To Credit Risk
, Particularly With Respect To Our High Concentration of Construction, Land Development and Other Real Estate Loans
Various Factors May Cause Our Allowance For Loan Losses To Increase
We Are Subject To Liquidity Risk
We Are Subject To Operational Risk
Our Profitability Depends Significantly On Economic Conditions In The Geographic Regions In Which We Operate
We Operate In A Highly Competitive Industry And Market Areas
We are Subject to Extensive Government Regulation and Supervision
We Could Be Held Responsible For Environmental Liabilities of Real Estate Acquired Through Foreclosure
Our Controls And Procedures May Fail Or Be Circumvented
We Rely On Dividends From Our Subsidiaries For Most Of Our Revenue
Potential Acquisitions May Disrupt Our Business And Dilute Shareowner Value
We May Not Be Able To Attract And Retain Skilled People
Our Information Systems May Experience An Interruption Or Breach In Security
We Continually Encounter Technological Change
We Are Subject To Claims And Litigation
Our Earnings May Be Affected By Changes In Accounting Principles And In Tax Laws
Severe Weather, Natural Disasters, Acts Of War Or Terrorism And Other External Events Could Significantly Impact Our Business
Risks Associated With Our Common Shares
Our Share Price Can Be Volatile
An Investment In Our Common Shares Is Not Insured or An Insured Deposit
Our Articles Of Incorporation, Regulations And Shareowners Rights Plan As Well As Certain Banking Laws May Have An Anti-Takeover Effect
Risks Associated With Our Industry
The Earnings Of Financial Services Companies Are Significantly Affected By General Business And Economic Conditions
Financial Services Companies Depend On The Accuracy And Completeness Of Information About Customers And Counterparties
Consumers May Decide Not To Use Banks To Complete Their Financial Transactions
Full 10-K form ▸
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