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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {acquisition, growth, future} |
| {stock, price, operating} |
| {stock, price, share} |
| {regulation, change, law} |
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Our profitability is vulnerable to interest rate fluctuations.
If the value of real estate in our core market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on our business, financial condition and results of operations.
An economic downturn, especially one affecting our market areas, could adversely affect our financial condition, results of operations or cash flows.
As a community bank, we have different lending risks than larger banks.
We could suffer loan losses from a decline in credit quality.
Our business strategy includes the continuation of growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively.
Additional growth may require us to raise additional capital in the future, but that capital may not be available when it is needed, which could adversely affect our financial condition and results of operations.
Changes in monetary policies may have an adverse effect on our business, financial condition and results of operations.
Our recent results may not be indicative of our future results, and may not provide guidance to assess the risk of an investment in our common stock.
Our ability to pay dividends is limited and we may be unable to pay future dividends. As a result, capital appreciation, if any, of our common stock may be your sole opportunity for gains on your investment for the foreseeable future.
Our directors and executive officers own a significant portion of our common stock and can influence shareholder decisions.
We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business, which limitations or restrictions could adversely affect our profitability.
Holders of our subordinated debentures have rights that are senior to those of our common shareholders.
Environmental liability associated with lending activities could result in losses.
Full 10-K form ▸
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