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| related topics |
| {stock, price, share} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {provision, law, control} |
| {control, financial, internal} |
| {system, service, information} |
| {regulation, change, law} |
| {acquisition, growth, future} |
| {stock, price, operating} |
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Risks Related to Our Business
Changes in interest rates may adversely affect our earnings and cost of funds.
Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio.
Our internal control over financial reporting may be ineffective.
Because our business is concentrated in certain local markets, a downturn in the economy in such markets may adversely affect our business.
We may be adversely affected by government monetary policy.
Our business may be adversely affected by the highly regulated environment in which we operate.
Our future success will depend on our ability to compete effectively in the highly competitive banking industry.
We may not be able to maintain and increase our deposit base and secure adequate funding.
We may be exposed to risks associated with our acquisition strategy.
We may incur significant costs if we foreclose on environmentally contaminated real estate.
We rely upon our information systems to successfully operate our business.
Risks Related to an Investment in our Common Stock
To the extent we must rely on dividends from our subsidiaries to pay any dividends on our shares of our common stock, our available cash flow may be restricted and ability to pay dividends on our common stock may be limited.
The trading price of our common stock has been volatile and investors in our common stock may experience substantial losses.
Various restrictions in our articles of incorporation, by-laws and banking law could prevent or delay a change in control of us which is not supported by our board of directors.
Full 10-K form ▸
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