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| related topics |
| {stock, price, share} |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {debt, indebtedness, cash} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {cost, contract, operation} |
| {provision, law, control} |
|
|
Our growth strategy may not be successful
Losses from loan defaults may exceed the allowance we establish for that purpose, which will have a material adverse effect on our business
If real estate values in our target markets decline, our loan portfolio would be impaired
If we lose key employees, our business may suffer
Our subsidiaries face strong competition, which may limit their asset growth and profitability
If adverse economic conditions in our target markets exist for a prolonged period, our financial results could be adversely affected
Federal Trust and its subsidiaries operate in an environment highly regulated by state and federal government; changes in banking laws and regulations could have a negative impact on our business.
Regulatory action could severely limit future expansion plans
Investors may face dilution resulting from the issuance of common stock in the future
Shares of preferred stock may be issued in the future which could materially adversely affect the rights of the holders of our common stock
Our common stock is not an insured bank deposit and is subject to market risk
We may need additional capital in the future and this capital may not be available when needed or at all
Future sales of our common stock could depress the price of the common stock
There are substantial regulatory limitations on ownership of our common stock and changes of control
Although publicly traded, our common stock has substantially less liquidity than the average trading market for a stock quoted on the American Stock Exchange, and our price may fluctuate in the future
All of Federal Trust Bank s stock is pledged under a line of credit agreement
Changes in interest rates can have an adverse effect on our profitability
Full 10-K form ▸
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