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| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {stock, price, operating} |
| {provision, law, control} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {system, service, information} |
| {acquisition, growth, future} |
| {operation, natural, condition} |
| {regulation, government, change} |
|
|
The Company may face risks with respect to future expansion and acquisition.
An economic downturn or a natural disaster, especially one affecting the Company s market areas, could adversely affect the Company.
Competition from other financial intermediaries may adversely affect the Company s profitability.
The Company s profitability is vulnerable to interest rate fluctuations.
The Company relies heavily on its management team and the unexpected loss of key officers may adversely affect operations.
A favorable assessment of the effectiveness of the Company s internal controls over financial reporting, and the independent auditors unqualified attestation report on that assessment are critical to the value of the Company s common stock.
Monetary policy and other economic factors could affect profitability adversely.
The Company operates within a highly regulated industry and its business and results are significantly affected by the regulations to which it is subject.
The Company relies heavily on technology and computer systems, and advances and changes in technology could significantly affect business.
Risks Relating to an Investment in the Company s Common Stock
Share ownership may be diluted by the issuance of additional shares of common stock in the future.
The holders of the Company s trust preferred securities have rights that are senior to those of shareholders.
The directors of the Company and executive management own a significant number of shares of stock, allowing further control over business and corporate affairs.
Provisions of the Company s articles of incorporation and bylaws, Louisiana Law and state and federal banking regulations, could delay or prevent a takeover by a third party.
Full 10-K form ▸
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