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| related topics |
| {condition, economic, financial} |
| {stock, price, share} |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {product, market, service} |
| {competitive, industry, competition} |
| {loss, insurance, financial} |
| {system, service, information} |
| {personnel, key, retain} |
| {stock, price, operating} |
| {control, financial, internal} |
| {regulation, change, law} |
| {provision, law, control} |
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Risks Associated With Our Business
Our profitability may be adversely affected by a downturn in the Tarrant County economy
Changes in interest rates could negatively impact our financial condition and results of operations
The types of loans in our portfolio have a higher degree of risk than residential real estate loans or consumer loans
Our allowance for loan losses may be insufficient and unexpected loan losses could adversely affect our results of operations
We are exposed to risk of environmental liabilities with respect to properties to which we take title
We face strong competition from financial service companies and other companies that offer banking services which could hurt our business
We are subject to extensive government regulation and supervision that may limit our ability to take certain actions
Loss of our senior executive officers or other key employees could impair our relationship with our customers and adversely affect our business
Our controls and procedures may fail or be circumvented which could adversely affect our business
New lines of business or new products and services may subject us to additional risks
Potential acquisitions may disrupt our business and dilute shareholder value
Our information systems may experience an interruption or breach in security and our business harmed
Our failure to adapt to continuous technological change could adversely affect our results of operations
Risks Associated With Our Common Stock
Even though our common stock is currently traded on the Nasdaq Stock Market s National Market, it has less liquidity than the average stock quoted on a national securities exchange
The market price of our common stock may fluctuate in the future, and these fluctuations may be unrelated to our performance
If a change in control or change in management is delayed or prevented, the market price of our common stock could be negatively affected
An investment in our common stock is not an insured deposit
Risks Associated With Our Industry
The earnings of financial services companies are significantly affected by general business and economic conditions
Consumers may decide not to use banks to complete their financial transactions
Full 10-K form ▸
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