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related topics |
{condition, economic, financial} |
{loan, real, estate} |
{debt, indebtedness, cash} |
{personnel, key, retain} |
{competitive, industry, competition} |
{regulation, change, law} |
{stock, price, share} |
{capital, credit, financial} |
{tax, income, asset} |
{interest, director, officer} |
{loss, insurance, financial} |
{product, market, service} |
{provision, law, control} |
{system, service, information} |
{regulation, government, change} |
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Our independent registered public accounting firm has expressed substantial doubt about our ability to continue as a going concern.
We operate in a highly regulated environment; changes in federal and state laws and regulations and accounting principles may adversely affect us.
Non-compliance of our Regulator Agreement may adversely affect our operations.
There can be no assurance that the recent efforts by legislators and regulators will help stabilize the U.S. financial system, and the expiration of programs implemented under such legislation may have unintended adverse effects on us.
Non-compliance with laws and regulations could result in fines, sanctions and other enforcement actions.
The expiration of the FDIC S TAG program in June may cause depositors to reduce the size of their deposits with us.
Supervisory guidance on commercial real estate concentrations could restrict our activities and impose financial requirements or limitations on the conduct of our business.
Banking regulations have restricted our ability to pay dividends and the ability of our bank subsidiary to pay dividends to us.
It may be difficult to trade our shares if we are unable to maintain our listing on the Nasdaq Stock Market or if our stock becomes subject to the penny stock rules of the Securities and Exchange Commission ( SEC ).
Our deposit insurance premiums could be substantially higher in the future, which could have a material adverse effect on our future earnings.
Current market developments may adversely affect our industry, business, results of operations and access to capital.
We may incur significant credit losses, particularly in light of current market conditions.
Defaults in the repayment of loans may negatively affect our business.
Our profitability depends significantly on local and overall economic conditions.
Our concentration of real estate loans subjects us to increased risks in the event real estate values continue to decline due to the economic recession, a further deterioration in the real estate markets or other causes.
Our loans are currently concentrated in New Mexico, Colorado, Utah, and Arizona and adverse conditions in those markets could adversely affect operations.
Our real estate construction loan portfolio may expose us to increased credit risk.
The value of our investments is influenced by varying economic and market conditions and a decrease in value could have an adverse effect on our results of operations, liquidity, and financial condition.
Our small to medium-sized business customers may have less financial resources with which to weather a downturn in the economy.
Fluctuations in interest rates could reduce our profitability.
We may not be able to meet the cash flow requirements of our depositors and borrowers unless we have sufficient liquidity.
The soundness of other financial institutions could adversely affect us.
The terms of our trust preferred securities may restrict our ability to pay dividends.
Competition with other financial institutions could adversely affect our profitability.
We may not be able to manage risks inherent in our business, particularly given the recent turbulent and dynamic market conditions.
Environmental liability associated with commercial lending could result in losses.
We are dependent on key personnel.
We may not be able to attract and retain qualified employees to operate our business effectively.
Our Restated Articles of Incorporation and New Mexico law may delay or prevent an acquisition of us by a third party.
An extended disruption of our vital infrastructure could negatively impact our operations, results, and financial condition.
Rapid technological changes may adversely affect the value of our current or future technologies to us and our customers, which could cause us to increase expenditures to upgrade and protect our technology or develop and protect competing technologies for delivering our services.
Material breaches of our systems may have a significant effect on our business.
Full 10-K form ▸
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