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| related topics |
| {loan, real, estate} |
| {stock, price, share} |
| {financial, litigation, operation} |
| {acquisition, growth, future} |
| {product, market, service} |
| {competitive, industry, competition} |
| {condition, economic, financial} |
| {customer, product, revenue} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {system, service, information} |
| {capital, credit, financial} |
| {stock, price, operating} |
| {cost, regulation, environmental} |
| {tax, income, asset} |
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Our recent results may not be indicative of our future operating results.
Fluctuations in interest rates could reduce our profitability and affect the value of our assets.
A significant portion of the Bank s loan portfolio is secured by real estate loans in the Atlanta, Georgia, metropolitan area and in eastern and northern Florida markets, and a downturn in real estate market values in those areas may adversely affect our business.
The Bank may be unable to maintain and service relationships with automobile dealers and the Bank is subject to their willingness and ability to provide high quality indirect automobile loans.
Our profitability depends significantly on economic conditions in the Atlanta metropolitan area.
We are subject to consumer and debtor protection laws.
We are subject to extensive governmental regulation.
We are subject to environmental liability risk associated with lending activities.
We operate in a highly competitive industry and market area.
The allowance for loan losses may be insufficient
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
The building of market share through our branching strategy could cause our expenses to increase faster than revenues.
Our controls and procedures may fail or be circumvented.
New lines of business or new products and services may subject us to additional risks.
We may not be able to attract and retain skilled people
Our information systems may experience an interruption or breach in security.
We may be unable to keep pace with technological change.
We are subject to claims and litigation.
Risks Related to our Common Stock
Our stock price can be volatile
Our common stock trading volume is less than that of other larger financial services companies.
Full 10-K form ▸
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