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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {regulation, government, change} |
| {control, financial, internal} |
| {personnel, key, retain} |
| {provision, law, control} |
| {stock, price, share} |
|
|
The Company s loan portfolio includes loans with a higher risk of loss.
If the Company s allowance for loan losses is not sufficient to cover actual loan losses, earnings could decrease.
Changes in interest rates could adversely affect the Company s results of operations and financial condition.
The local economy may affect future growth possibilities.
The Company depends on its executive officers and key personnel to continue the implementation of its long-term business strategy and could be harmed by the loss of their services.
The Company operates in a highly regulated environment, and changes in laws and regulations to which it is subject may adversely affect its results of operations.
Competition in the Bank s primary market area may reduce its ability to attract and retain deposits and originate loans.
If the Company fails to maintain an effective system of internal control over financial reporting, it may not be able to accurately report financial results or prevent fraud, and, as a result, investors and depositors could lose confidence in the Company s financial reporting, which could adversely affect its business, the trading price of its stock and its ability to attract additional deposits.
The Company s Certificate of Incorporation and bylaws may prevent a transaction you may favor or limit growth opportunities, which could cause the market price of the Company s common stock to decline.
The Company may not be able to pay dividends in the future in accordance with past practice.
Full 10-K form ▸
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