|
| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {cost, operation, labor} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {personnel, key, retain} |
| {financial, litigation, operation} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
|
|
General economic conditions, either national or within the Company s local markets, could materially impact the Company s financial condition and performance.
Changes in interest rates could adversely affect the Company s income and cash flows.
The Company faces substantial competition that could adversely affect the Company s growth and/or operating results.
The inability of the Company to successfully manage its growth or implement its growth strategy may adversely affect the results of operations and financial conditions.
Difficulties in combining the operations of acquired entities with the Company s own operations may prevent the Company from achieving the expected benefits from acquisitions.
The Company s exposure to operational, technological and organizational risk may adversely affect the Company.
The Company s dependency on its management team and the unexpected loss of any of those personnel could adversely affect operations.
The Company s concentration in loans secured by real estate may adversely impact earnings due to changes in the real estate markets.
If the Company s allowance for loan losses becomes inadequate, the results of operations may be adversely affected.
Legislative or regulatory changes or actions, or significant litigation, could adversely impact the Company or the businesses in which the Company is engaged.
Changes in accounting standards could impact reported earnings.
Limited availability of financing or inability to raise capital could adversely impact the Company.
Recent legislative regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. banking system.
The Company s Preferred Stock is equity and is subordinate to all of its existing and future indebtedness; regulatory and contractual restrictions may limit or prevent the Company from paying dividends on the Preferred Stock; and the Preferred Stock places no limitations on the amount of indebtedness the Company may incur in the future.
If the Company is unable to redeem the Preferred Stock after five years, the cost of this capital to the Company will increase substantially.
The Purchase Agreement between the Company and Treasury limits the Company s ability to pay dividends on and repurchase its common stock.
Full 10-K form ▸
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