745308--2/28/2007--ST_JOE_CO

related topics
{loan, real, estate}
{regulation, change, law}
{operation, natural, condition}
{investment, property, distribution}
{acquisition, growth, future}
{condition, economic, financial}
{tax, income, asset}
The occurrence of hurricanes and other natural disasters in Florida could adversely affect our business. Increases in real estate property taxes and/or insurance premiums could reduce customer demand for lots and homes in our developments. Our business is concentrated in Florida, primarily Northwest Florida. As a result, our financial results are dependent on the economic growth and health of Florida, particularly Northwest Florida. Changes in the demographics affecting projected population growth in Florida, particularly Northwest Florida, including a decrease in the migration of Baby Boomers, could adversely affect our business. Increases in interest rates could reduce demand for our products. Our real estate operations are cyclical. We are exposed to risks associated with real estate sales and development. If we are not able to raise sufficient cash to enhance and maintain our operations and to develop our real estate holdings, our revenues, financial condition and results of operations could be negatively impacted. Our business is subject to extensive regulation which makes it difficult and expensive for us to conduct our operations. We are increasingly dependent upon national, regional and local homebuilders, as well as other strategic partners, who may have interests that differ from ours and may take actions that adversely affect us. Changes in our income tax estimates could affect our profitability.

Full 10-K form ▸

related documents
745308--3/14/2006--ST_JOE_CO
1270985--9/13/2007--K-FED_BANCORP
924901--2/22/2007--MACK_CALI_REALTY_CORP
1067063--2/22/2007--MACK_CALI_REALTY_L_P
1102287--3/18/2009--PREMIERWEST_BANCORP
1030469--3/28/2007--ORIENTAL_FINANCIAL_GROUP_INC
1268039--3/15/2007--ORIGEN_FINANCIAL_INC
1137587--3/31/2006--KAIROS_HOLDINGS_INC
356809--3/31/2008--ABIGAIL_ADAMS_NATIONAL_BANCORP_INC
356809--4/17/2009--ABIGAIL_ADAMS_NATIONAL_BANCORP_INC
1354772--3/30/2007--NORTHEAST_COMMUNITY_BANCORP_INC
1037390--2/10/2010--GRIFFIN_LAND_&_NURSERIES_INC
356708--3/16/2007--FIRST_REGIONAL_BANCORP
356708--3/16/2006--FIRST_REGIONAL_BANCORP
1004969--6/14/2006--PFF_BANCORP_INC
826154--3/15/2010--ORRSTOWN_FINANCIAL_SERVICES_INC
1253317--3/26/2010--OLD_LINE_BANCSHARES_INC
1253317--3/13/2008--OLD_LINE_BANCSHARES_INC
1156826--3/9/2006--ARCHSTONE_SMITH_TRUST
107454--4/14/2008--WILSHIRE_ENTERPRISES_INC
1354835--3/28/2007--Boardwalk_Bancorp_Inc
356708--3/17/2008--FIRST_REGIONAL_BANCORP
891106--2/28/2008--STERLING_FINANCIAL_CORP_/WA/
861955--11/7/2007--CIB_MARINE_BANCSHARES_INC
1331451--3/30/2006--Federal_Home_Loan_Bank_of_Chicago
1059142--3/6/2007--AMERICA_FIRST_TAX_EXEMPT_INVESTORS_LP
1174820--3/16/2006--CENTER_FINANCIAL_CORP
1174820--2/20/2007--CENTER_FINANCIAL_CORP
910073--3/2/2009--NEW_YORK_COMMUNITY_BANCORP_INC
1037390--2/14/2008--GRIFFIN_LAND_&_NURSERIES_INC