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| related topics |
| {regulation, change, law} |
| {operation, international, foreign} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {control, financial, internal} |
| {regulation, government, change} |
| {product, market, service} |
| {condition, economic, financial} |
| {stock, price, operating} |
|
|
Since our business is concentrated in the Southwest Missouri area, including the Springfield metropolitan area and Branson, a downturn in the Springfield or Branson economies may adversely affect our business.
Our loan portfolio possesses increased risk due to our relatively high concentration of commercial and residential construction, commercial real estate and multi-family loans.
Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio.
Our operations depend upon our continued ability to access brokered deposits and Federal Home Loan Bank advances.
Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
Our business may be adversely affected by the highly regulated environment in which we operate, including the various capital adequacy guidelines we are required to meet.
We may be adversely affected by interest rate changes.
Our exposure to operational risks may adversely affect the Company.
We continually encounter technological change, and we may have fewer resources than many of our competitors to continue to invest in technological improvements.
Our accounting policies and methods impact how we report our financial condition and results of operations. Application of these policies and methods may require management to make estimates about matters that are uncertain.
Changes in accounting standards could materially impact our consolidated financial statements.
Our internal controls may be ineffective.
Our stock price can be volatile.
Full 10-K form ▸
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