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| related topics |
| {loan, real, estate} |
| {provision, law, control} |
| {operation, natural, condition} |
| {financial, litigation, operation} |
| {condition, economic, financial} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {system, service, information} |
| {stock, price, share} |
| {interest, director, officer} |
| {tax, income, asset} |
|
|
An investment in the Common Stock is subject to risks inherent to the Bank s business. The material risk and uncertainties that management believes affect the Bank are described below. Additional risks and uncertainties that management is not aware of or focused on or that management currently deems immaterial may also impair the Company s business operations.
RISK FACTORS RELATING TO OUR BUSINESS GENERALLY
Fluctuations in interest rates could reduce the Bank s profitability and affect the value of its assets.
The Bank is subject to credit risks relating to its loan portfolio.
General economic conditions nationally and in the Bank s market are less than favorable.
The financial services industry is very competitive.
Legislative or regulatory changes or actions, or significant litigation, could adversely impact the Company or the businesses in which the Company is engaged.
The Company is subject to environmental liability risk associated with lending activities.
The Bank s information systems may experience an interruption or breach in security.
Financial services companies depend on the accuracy and completeness of information about customers and counterparties.
The inability to hire or retain certain key professionals, management and staff could adversely affect the Company s revenues and net income.
Severe weather, acts of war and terrorism and other adverse external events could significantly impact the Company s business
RISK FACTORS RELATING TO THE COMPANY S ARTICLES OF INCORPORATION AND THE COMMON STOCK
The liability of our directors is limited.
The trading volume in the Common Stock is less than that of other larger services companies.
It may be difficult for a third party to acquire the Company, which could affect the price of the Common Stock.
Full 10-K form ▸
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