|
| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {regulation, change, law} |
|
|
The current economic environment poses significant challenges for the Company and could adversely affect its financial condition and results of operations.
The Company and its subsidiary business are subject to interest rate risk and variations in interest rates may negatively affect its financial performance.
The Bank s allowance for loan losses may not be adequate to cover actual losses.
The declining real estate market could impact the Company s business.
The Company s level of credit risk is increasing due to its focus on commercial and construction lending, and the concentration on small businesses and middle market customers with heightened vulnerability to economic conditions.
The Bank may suffer losses in its loan portfolio despite its underwriting practices.
The Company and its subsidiaries are subject to extensive regulation which could adversely affect them.
The Bank s ability to pay dividends is subject to regulatory limitations which, to the extent the Company requires such dividends in the future, may affect the Company s ability to pay its obligations and pay dividends.
The Company faces strong competition from other financial institutions, financial service companies and other organizations offering services similar to those offered by the Company and its subsidiaries, which could hurt the Company s business.
Potential Acquisitions May Disrupt the Company s Business and Dilute Stockholder Value
The Company s goodwill may be determined to be impaired.
The Company may lose members of its management team and have difficulty attracting skilled personnel.
Higher FDIC deposit insurance premiums and assessments could adversely affect the Company s financial condition.
The Company may need to raise additional capital in the future, and such capital may not be available when needed or at all.
Liquidity risk could impair the Company s ability to fund its operations and jeopardize its financial condition.
Full 10-K form ▸
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