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| related topics |
| {loss, insurance, financial} |
| {acquisition, growth, future} |
| {competitive, industry, competition} |
| {product, market, service} |
| {loan, real, estate} |
| {personnel, key, retain} |
| {stock, price, share} |
| {condition, economic, financial} |
| {regulation, change, law} |
|
|
We face intense competition in all phases of our business from other banks and financial institutions.
Interest rates and other conditions impact our results of operations.
We must effectively manage our credit risk.
Our loan portfolio has a large concentration of residential and commercial real estate loans, which involve risks specific to real estate value.
Our commercial construction loans are based upon estimates of costs and value associated with the complete project as well as estimates for either the ultimate sales or lease-up of the project. These estimates may be inaccurate and we may be exposed to more losses on these projects than on other loans.
Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio.
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
Our community banking strategy relies heavily on our management team, and the unexpected loss of key managers may adversely affect our operations.
Government regulation can result in limitations on our operations.
We have a continuing need for technological change and we may not have the resources to effectively implement new technology.
There is a limited trading market for our common shares, and you may not be able to resell your shares at or above the price stockholders paid for them.
Full 10-K form ▸
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