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| related topics |
| {system, service, information} |
| {condition, economic, financial} |
| {tax, income, asset} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {product, market, service} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {competitive, industry, competition} |
| {cost, regulation, environmental} |
| {operation, international, foreign} |
|
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We may be adversely affected by economic conditions in the local economies in which we conduct our operations, and in the United States in general.
We invest in pools of performing and nonperforming loans that comprise a significant component of our assets and generate substantial interest income with yields that may fluctuate considerably resulting in inconsistent profitability from period to period.
Our growth strategy involves risks that may negatively impact our net income and we may experience difficulties in managing our growth.
Our ability to retain and attract qualified employees is critical to the success of our business and the failure to do so may materially adversely affect our performance.
Our allowance for loan losses may be insufficient to absorb possible losses in our loan portfolio.
We are subject to substantial regulation which could adversely affect our business and operations.
If we are not able to anticipate and keep pace with rapid changes in technology, or do not respond to rapid technological changes in our industry, our business can be adversely affected.
We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.
We are subject to operational risk and an operational failure that could materially adversely affect our business.
We experience intense competition for loans and deposits.
Changing interest rates may adversely affect our profits.
If we do not continue to meet or exceed regulatory capital requirements and maintain our well-capitalized status, there could be an adverse effect on the manner in which we do business and on the confidence our customers have in us.
Full 10-K form ▸
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