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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {loss, insurance, financial} |
| {stock, price, share} |
| {stock, price, operating} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
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Our allowance for loan losses may not be adequate to cover actual loan losses, which may require us to take a charge to our earnings and adversely impact our financial condition and results of operations.
We could suffer loan losses from a decline in credit quality.
If the value of real estate in our core market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on our business, financial condition and results of operations.
Additional growth may require us to raise additional capital in the future, but that capital may not be available when it is needed, which could adversely affect our financial condition and results of operations.
Our access to additional short term funding to meet our liquidity needs is limited.
Changes in monetary policies may have an adverse effect on our business, financial condition and results of operations.
Our profitability is vulnerable to interest rate fluctuations.
We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business, which limitations or restrictions could adversely affect our profitability.
An economic downturn, especially one affecting our market areas, could adversely affect our financial condition, results of operations or cash flows.
As a community bank, we have different lending risks than larger banks.
Competition from other financial institutions may adversely affect our profitability.
Our plans for future expansion depend, in some instances, on factors beyond our control, and an unsuccessful attempt to achieve growth could have a material adverse effect on our business, financial condition, results of operations and future prospects.
Our ability to pay dividends is limited and we may be unable to pay future dividends. As a result, capital appreciation, if any, of our common stock may be your sole opportunity for gains on your investment for the foreseeable future.
Our recent results may not be indicative of our future results, and may not provide guidance to assess the risk of an investment in our common stock.
Full 10-K form ▸
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