|
| related topics |
| {acquisition, growth, future} |
| {product, market, service} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {personnel, key, retain} |
| {control, financial, internal} |
| {provision, law, control} |
| {competitive, industry, competition} |
| {system, service, information} |
| {interest, director, officer} |
| {regulation, government, change} |
| {regulation, change, law} |
|
|
We may not be able to continue to grow our business, which may
adversely impact our results of operations.
We may not be able to manage our growth, which may adversely
The Company may require additional capital in the future, but
that capital may not be available when it is needed.
Future issuances of blank check preferred stock may reduce voting power of common stock and may have anti-takeover effects that could prevent a change in control.
Our exposure to credit risk, because we focus on commercial
lending, could adversely affect our earnings and financial
Proxy contests and shareholder litigation may adversely effect our results of operations.
Adverse economic and business conditions in our market area may
have an adverse effect on our earnings.
If our allowance for loan losses is not sufficient to cover
actual loan losses, our earnings would decrease.
Loss of our key personnel or an inability to hire and retain
qualified personnel could adversely affect our business.
Changes in interest rates may adversely affect our earnings and
We may not be able to successfully integrate acquisitions, which
may adversely affect our business.
Competition from other financial institutions in originating
loans and attracting deposits may adversely affect our
Government regulation significantly affects our business.
Our disclosure controls and procedures and our internal control
over financial reporting may not achieve their intended
We continually encounter technological change, and we may have
fewer resources than many of our competitors to continue to
invest in technological improvements, which could reduce our
Our information systems are vulnerable to damage that could harm
Full 10-K form ▸
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