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| related topics |
| {stock, price, share} |
| {competitive, industry, competition} |
| {loan, real, estate} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {operation, natural, condition} |
| {stock, price, operating} |
| {product, market, service} |
| {financial, litigation, operation} |
| {loss, insurance, financial} |
| {system, service, information} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {product, liability, claim} |
| {provision, law, control} |
| {debt, indebtedness, cash} |
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Risks Related To The Company s Business and Operations
The Company Has Grown Significantly But May Not Be Able To Sustain This Rate Of Growth
The Company Is Subject To Risk Related To The Concentration Of Its Loan Portfolio
The Company Is Subject To Lending Risk
The Company s Allowance For Probable Incurred Loan Losses May Be Insufficient
Changes In Interest Rates Could Affect Profitability
The Company Relies On Dividends From Its Subsidiaries For Most Of Its Revenue
The Company Operates In A Highly Competitive Industry And Market Area
The Loss Of Key Personnel Could Impair The Bank
The Company Operates In A Highly Regulated Environment
The Company s Controls And Procedures May Fail Or Be Circumvented
The Company s Information Systems May Experience An Interruption Or Breach In Security
The Company Continually Encounters Technological Change
The Company Is Subject To Claims And Litigation Pertaining To Fiduciary Responsibility
The Company Is Subject To Environmental Liability Risk Associated With Lending Activities
Severe Weather, Natural Disasters, Acts Of War Or Terrorism And Other External Events Could Significantly Impact The Company s Business
Risks Associated With The Company s Common Shares
The Company May Issue Additional Common Shares Or Equity Derivative Securities That Will Dilute The Percentage Ownership Interest Of Existing Stockholders And May Dilute The Book Value Per Share Of Its Common Shares And Adversely Affect The Terms On Which The Company May Obtain Additional Capital
The Company s Directors, Executive Officers And Employee Stock Ownership Plan Own A Substantial Amount of the Company s Common Shares And May Significantly Impact The Outcome Of Future Shareholder Votes
The Company s Share Price Can Be Volatile
The Trading Volume In The Company s Common Shares Is Less Than That Of Other Larger Financial Services Companies
An Investment In The Company s Common Shares Is Not An Insured Deposit
The Company s Certificate Of Incorporation, By-Laws And Shareholders Protection Rights Agreement, As Well As Certain Banking Laws, May Have An Anti-Takeover Effect
The Company s Ability To Pay Cash Dividends Is Limited, And It May Be Unable To Pay Future Dividends Even If It Desires To Do So
Risks Associated With The Company s Industry
The Earnings Of Financial Services Companies Are Significantly Affected By General Business And Economic Conditions
Financial Services Companies Depend On The Accuracy And Completeness Of Information About Customers And Counterparties
Consumers May Decide Not To Use Banks To Complete Their Financial Transactions
Full 10-K form ▸
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