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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {loss, insurance, financial} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
| {operation, natural, condition} |
|
|
Adverse changes in the economic conditions in general, and in our market area specifically, could negatively impact our results of operations and financial position.
Our allowance for loan losses may not be adequate to cover actual loan losses.
Changes in interest rates could negatively impact our operating results or financial position.
If we fail to attract core deposits, our liquidity may be adversely impacted and we may have to seek alternative and more expensive funding sources.
The banking and financial services industry is highly competitive, which could adversely affect our operating results or financial position.
Our internal controls and procedures may fail to work as expected or be circumvented.
Extended disruption of infrastructure due to external events could adversely affect our operating results or financial position.
New or changes to existing regulatory laws, accounting principles and interpretations, and security and tax laws could significantly impact our results of operations or financial position.
We depend on the service of our executive officers and the ability to attract and retain skilled people.
Full 10-K form ▸
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