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| related topics |
| {loan, real, estate} |
| {cost, operation, labor} |
| {competitive, industry, competition} |
| {tax, income, asset} |
| {loss, insurance, financial} |
| {provision, law, control} |
| {stock, price, share} |
| {regulation, government, change} |
| {condition, economic, financial} |
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A significant percentage of our assets are invested in lower yielding investments, which has contributed to our low profitability.
Certain interest rate movements may hurt our earnings.
Our increased emphasis on commercial and construction lending may expose us to increased lending risks.
Our level of non-performing loans and classified assets expose us to increased lending risks. Further, our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio.
Our cost of operations is high relative to our assets. Our failure to maintain or reduce our operating expenses costs could hurt our profits.
Strong competition within our market area could hurt our profits and slow growth.
If we do not achieve profitability on our new offices, it may negatively impact our earnings.
If the value of real estate in central Indiana were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us.
Our business is subject to the success of the local economy in which we operate.
The trading history of our common stock is characterized by low trading volume. Our common stock may be subject to sudden decreases.
We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
Provisions of our articles of incorporation, bylaws and Indiana law, as well as state and federal banking regulations, could delay or prevent a takeover of us by a third party.
Full 10-K form ▸
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