|
| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {debt, indebtedness, cash} |
| {operation, international, foreign} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
|
|
The Company s business is subject to interest rate risk and variations in interest rates may negatively affect financial performance.
The Company faces strong competition from financial services companies and other companies that offer banking services which could negatively affect the Company s business.
Changes in economic conditions, particularly an economic slowdown in the Company s market area, could materially and negatively affect the Company s business.
A downturn in the real estate market could negatively affect the Company s business.
The Company is dependent on key personnel and the loss of one or more of those key personnel may materially and adversely affect the Company s prospects.
The Company is subject to extensive regulation which could adversely affect its business.
The primary source of the Company s income from which it pays dividends is the receipt of dividends from its subsidiary bank.
A limited trading market exists for the Company s common stock which could lead to price volatility.
The allowance for loan losses may not be adequate to cover actual losses.
The Company is exposed to operational risk.
Full 10-K form ▸
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