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| related topics |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {product, market, service} |
| {personnel, key, retain} |
| {debt, indebtedness, cash} |
| {tax, income, asset} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
|
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We are implementing a business strategy that may result in increased volatility of earnings.
Our growth may not be managed successfully.
Potential acquisitions may disrupt our business, dilute shareholder value and adversely affect our operating results.
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available or may not be on terms acceptable to us when it is needed.
Our business strategy relies upon our Chief Executive Officer and other key employees.
Our business is subject to various lending risks which could adversely impact our results of operations and financial condition.
Our allowance for credit losses may prove to be insufficient to absorb possible losses inherent in our loan portfolio.
Our business is subject to general economic risks that could adversely impact our results of operations and financial condition.
Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance.
Our ability to service our debt, pay dividends, and otherwise pay our obligations as they come due is substantially dependent on capital distributions from the Bank, and these distributions are subject to regulatory limits and other restrictions.
We face strong competition from other financial institutions, financial service companies and other organizations offering services similar to those we offer, which could hurt our business.
We continually encounter technological change, and we may have fewer resources than many of our competitors to continue to invest in technological improvements.
We are subject to extensive regulation which could adversely affect our business.
Distribution of Assets, Liabilities, and Stockholders Equity; Interest Rates and Interest Differential
Full 10-K form ▸
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