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| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {stock, price, operating} |
| {debt, indebtedness, cash} |
| {acquisition, growth, future} |
| {cost, regulation, environmental} |
| {regulation, change, law} |
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We rely, in part, on external financing to fund our operations and the unavailability of such funds in the future could adversely impact our growth strategy and prospects.
Our business is subject to interest rate risk and variations in market interest rates may negatively affect our financial performance.
Changes in the interest rate environment may reduce our profits.
The Bank s ability to pay dividends is subject to regulatory limitations which, to the extent we require such dividends in the future, may affect our ability to service our debt and pay dividends.
Our allowance for loan losses may not be adequate to cover actual losses.
Our business is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition.
We may suffer losses in our loan portfolio despite our underwriting practices.
Our president and chief executive officer owns a significant amount of our common stock and may make decisions that are not in the best interests of all stockholders.
We are subject to extensive regulation, which could adversely affect us.
We face strong competition from other financial institutions, financial service companies and other organizations offering services similar to those offered by us, which could hurt our business.
Full 10-K form ▸
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