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| related topics |
| {product, market, service} |
| {loan, real, estate} |
| {financial, litigation, operation} |
| {acquisition, growth, future} |
| {operation, international, foreign} |
| {condition, economic, financial} |
| {control, financial, internal} |
| {competitive, industry, competition} |
|
|
We have a concentration of loans secured by real estate and a downturn in the real estate market could adversely affect our financial condition and results of operations.
Inability to achieve deposit growth targets could adversely impact profitability and liquidity.
TSFG s earnings are exposed to risks associated with movements in market interest rates.
TSFG has credit and market risk resulting from the use of derivatives.
The International Convergence of Capital Measurement and Capital Standards (Basel II) is currently applicable to only a few U.S. banks.
Hurricanes and other natural disasters may adversely affect loan portfolios and operations and increase the cost of doing business.
Our loans are predominately focused in three states and adverse economic conditions in those states, in particular, could negatively impact results from operations and financial condition.
TSFG has experienced significant growth through acquisitions and anticipates engaging in selected acquisitions in the future. There are risks associated with acquisitions
Competition in our credit product offerings may reduce or limit our margins on banking services, or reduce our market share.
TSFG s controls and procedures may fail or be circumvented, resulting in an adverse effect on its results of operations and financial condition.
An interruption or breach in security with respect to TSFG s information systems could damage our reputation, result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us to civil litigation, any of which could have a material adverse effect on our financial condition and results of operations.
TSFG continually encounters technological change, and we may not be able to keep pace with that which affects the financial services industry.
Full 10-K form ▸
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