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| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
| {control, financial, internal} |
| {stock, price, operating} |
| {cost, contract, operation} |
| {acquisition, growth, future} |
| {system, service, information} |
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Our loans and deposits are focused in two states, and adverse economic conditions in those states could negatively impact our results from operations, cash flows, and financial condition.
Declines in real estate values in our markets could adversely impact our business.
Changes in interest rates could negatively impact our financial condition and results of operations.
If we are unable to borrow funds through core deposits or additional debt, we may not be able to meet the cash flow requirements of our depositors and borrowers, or satisfy the cash needs to continue expansion of our business or fund operations.
We have significant competition in both attracting and retaining deposits and in originating loans.
A failure of the technology we use could harm our business.
Our systems of internal operating controls may not be effective.
We may encounter unforeseen difficulties executing our business strategy, including unanticipated integration problems, business disruption in connection with expansions and loss of key personnel.
An extended disruption of vital infrastructure could negatively impact our business, results of operations and financial condition.
New or changes in existing tax, accounting, and regulatory rules and interpretations could significantly impact strategic initiatives, results of operations, cash flows and financial condition.
Non-compliance with USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines, sanctions and other enforcement actions.
Regulators may impose dividend payment and other restrictions on the Bank which would impact our ability to pay dividends to shareholders or repurchase stock.
The Federal Reserve may require us to commit capital resources to support the Bank.
Our common stock is not publicly traded, and there are significant resale limitations.
Shares of our common stock are subject to contractual transfer restrictions, and we have no obligation to repurchase outstanding shares of common stock.
Existing shareholders will be diluted by future issuances of common stock, and the valuation of our common stock could decrease.
Affiliates of our company own a controlling interest and are able to control the election of directors and future direction of our business.
Full 10-K form ▸
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