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| related topics |
| {loan, real, estate} |
| {regulation, government, change} |
| {product, market, service} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {cost, regulation, environmental} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {stock, price, share} |
| {cost, operation, labor} |
|
|
Risks Related to Our Business
Our markets are intensely competitive, and our principal competitors are larger than us.
We operate in a highly regulated industry and could be adversely affected by governmental monetary policy or regulatory change.
Our efforts to expand within our market and provide additional services by acquiring smaller banks and related businesses may not prove to be successful, and may subject us to unexpected costs or liabilities.
The opening of new branches could reduce our profitability.
Our income is sensitive to changes in interest rates.
We may incur liabilities under federal and state environmental laws with respect to foreclosed properties.
A downturn in the economy in our market area would adversely affect our loan portfolio and our growth potential.
A downturn in the real estate market could negatively affect our business.
Technological change may affect our ability to compete.
Our profitability depends on our customers ability to repay their loans and our ability to make sound judgments concerning credit risk.
Risks Related to Our Common Stock
Full 10-K form ▸
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