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related topics |
{condition, economic, financial} |
{acquisition, growth, future} |
{stock, price, share} |
{loss, insurance, financial} |
{competitive, industry, competition} |
{provision, law, control} |
{regulation, government, change} |
{personnel, key, retain} |
{product, liability, claim} |
{stock, price, operating} |
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Risks Related to the Company's Business
Difficult conditions in the capital markets and the economy generally may materially adversely affect our business and results of operations.
There can be no assurance that actions of the U.S. government, Federal Reserve and other governmental and regulatory bodies for the purpose of stabilizing the financial markets will achieve the intended effect.
Like most banking organizations, our business is highly susceptible to credit risk.
Our allowance for loan losses may not be sufficient to cover actual loan losses, which could adversely affect our earnings.
Significant interest rate volatility could reduce our profitability.
We may be required to pay significantly higher Federal Deposit Insurance Corporation (FDIC) premiums in the future.
Recent negative developments in the financial industry and the credit markets may subject us to additional regulation.
We rely heavily on our management and other key personnel, and the loss of any of them may adversely affect our operations.
The geographic concentration of our markets makes our business highly susceptible to local economic conditions.
If we do not adjust to rapid changes in the financial services industry, our financial performance may suffer.
Our historical growth and financial performance trends may not continue if our acquisition strategy is not successful.
Acquisitions entail risks which could negatively affect our operations.
Unanticipated costs related to our acquisition strategy could reduce MainSource's future earnings per share.
MainSource may be unable to successfully integrate the operations of the banks it has acquired and may acquire in the future and retain employees of such banks.
Risks Relating to the Banking Industry
Future growth or operating results may require the Company to raise additional capital but that capital may not be available or it may be dilutive.
Changes in governmental regulation and legislation could limit our future performance and growth.
Risks Related to the Company's Stock
We may not be able to pay dividends in the future in accordance with past practice.
The price of the Company's common stock may be volatile, which may result in losses for investors.
The Company's participation in Treasury's Capital Purchase Program (CPP) may adversely affect the value of its common stock and the rights of its common stockholders.
The Company's charter documents and federal regulations may inhibit a takeover, prevent a transaction that may favor or otherwise limit the Company's growth opportunities, which could cause the market price of the Company's common stock to decline.
Full 10-K form ▸
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