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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {acquisition, growth, future} |
| {regulation, change, law} |
| {competitive, industry, competition} |
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Risks, Uncertainties and Other Factors That May Affect Our Future Results
Our profitability depends significantly on geographic economic conditions in the markets in which we operate.
We rely on a small to medium-sized business market.
If our allowance for credit losses is not sufficient to cover actual loan losses, our financial condition and results of operations may be adversely affected.
If our nonperforming assets increase, our earnings will suffer.
If we sell any of our loans or loan portfolios, or liquidate any collateral underlying our loans, we may suffer losses and our financial condition and results of operations may be affected.
Fluctuations in interest rates could reduce our profitability.
Our investment securities portfolio is subject to credit risk, market risk, and liquidity risk.
We are subject to liquidity risks.
Competition with other financial institutions could adversely affect our profitability.
We may not be able to maintain our historical growth rate which may adversely impact our results of operations and financial condition.
We may be unable to complete acquisitions, and once complete, may not be able to integrate our acquisitions successfully.
An impairment in the carrying value of our goodwill could negatively impact our earnings and capital.
The impact of recently enacted legislation and government programs to stabilize the financial markets and of recent legislative and regulatory initiatives cannot be predicted at this time, and it may significantly impact our financial condition, operations, capital position and ability to pursue opportunities.
Full 10-K form ▸
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