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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {loan, real, estate} |
| {financial, litigation, operation} |
| {control, financial, internal} |
| {stock, price, share} |
| {competitive, industry, competition} |
| {system, service, information} |
| {capital, credit, financial} |
| {stock, price, operating} |
| {operation, international, foreign} |
|
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Our business may be further adversely affected by conditions in the financial markets and economic conditions generally.
The downturn in the residential real estate market (and the related effects on certain commercial real estate loans to acquire, develop, and construct residential properties) has significantly affected our results of operations, and further deterioration could have further adverse effects on collateral values and borrowers ability to repay, and consequently our financial condition and results of operations.
Our loans are predominantly focused in three states and continued adverse economic conditions in those states, in particular, could have a further negative impact on our financial condition and results of operations.
Recent government actions in response to market conditions may affect us.
We may be adversely affected by the soundness of other financial institutions.
We are subject to extensive government regulation and supervision.
Our earnings are exposed to risks associated with movements in market interest rates.
We are required to make a number of judgments in applying accounting policies and different estimates and assumptions in the application of these policies could result in a decrease in capital and/or
other material changes to our reports of financial condition and results of operations.
Our controls and procedures may fail or be circumvented or outside parties may perpetrate a fraud, resulting in an
adverse effect on our results of operations and financial condition.
An interruption or breach in security with respect to our information systems, as well as information systems of our outsourced service providers,
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.
Inability to achieve customer deposit growth could adversely impact profitability and liquidity.
Our stock price can be volatile in response to a number of factors.
The NASDAQ may not extend the temporary relief for stocks trading below $1 per share.
Hurricanes and other natural disasters may adversely affect loan portfolios and operations and increase the cost of doing business.
Full 10-K form ▸
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