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| related topics |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {system, service, information} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {product, market, service} |
| {tax, income, asset} |
| {personnel, key, retain} |
| {stock, price, share} |
| {regulation, change, law} |
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Our business may be adversely affected by conditions in the financial markets and economic conditions generally.
Our business is concentrated in and dependent upon the continued growth and welfare of our primary market areas.
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
Interest rates and other conditions impact our results of operations.
Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio.
We may experience difficulties in managing our growth and our growth strategy involves risks that may negatively impact our net income.
We face intense competition in all phases of our business from other banks and financial institutions.
We must effectively manage our credit risk.
Commercial and industrial and agri-business loans make up a significant portion of our loan portfolio.
Our loan portfolio has a large concentration of commercial real estate loans, which involve risks specific to real estate value.
Our consumer loans generally have a higher degree of risk of default than our other loans.
Our community banking strategy relies heavily on our management team, and the unexpected loss of key managers may adversely affect our operations.
Government regulation can result in limitations on our operations.
We have a continuing need for technological change and we may not have the resources to effectively implement new technology.
There is a limited trading market for our common shares, and you may not be able to resell your shares at or above the price you paid for them.
System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
We are subject to certain operational risks, including, but not limited to, customer or employee fraud and data processing system failures and errors.
If LCB Funding, Inc. fails to qualify as a real estate investment trust, we may be subject to a higher consolidated effective tax rate.
Full 10-K form ▸
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