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related topics |
{stock, price, share} |
{loan, real, estate} |
{competitive, industry, competition} |
{system, service, information} |
{regulation, government, change} |
{condition, economic, financial} |
{provision, law, control} |
{control, financial, internal} |
{loss, insurance, financial} |
{personnel, key, retain} |
{property, intellectual, protect} |
{stock, price, operating} |
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Risks Related to the Banking Industry
Changes in economic and political conditions could adversely affect the Company s earnings, as the Company s borrowers ability to repay loans and the value of the collateral securing the Company s loans decline.
Changes in interest rates could adversely affect the Company s results of operations and financial condition.
The Company operates in a highly regulated environment, and changes in laws and regulations to which we are subject may adversely affect the Company s results of operations.
Changes in technology could be costly.
Risks Related to the Company s Business
The Company operates in an extremely competitive market, and the Company s business will suffer if it is unable to compete effectively.
The loss of key members of the Company s senior management team could adversely affect the Company s business.
The Company s loan portfolio includes loans with a higher risk of loss.
If the Company s actual loan losses exceed the Company s allowance for loan losses, the Company s net income will decrease.
If the Company forecloses on and takes ownership of real estate collateral property,it may be subject to the increased costs associated with the ownership of real property, resulting in reduced revenues.
Environmental liability associated with commercial lending could have a material adverse effect on the Company s business, financial condition and results of operations.
If the Company fails to maintain an effective system of internal control over financial reporting, it may not be able to accurately report the Company s financial results or prevent fraud, and, as a result, investors and depositors could lose confidence in the Company s financial reporting, which could adversely affect the Company s business, the trading price of the Company s stock and the Company s ability to attract additional deposits.
A breach of information security or compliance breach by one of the Company s agents or vendors could negatively affect the Company s reputation and business.
Risks Related to the Company s Stock
The Company s common stock is thinly traded, and thus your ability to sell shares or purchase additional shares of the Company s common stock will be limited, and the market price at any time may not reflect true value.
Future sales or additional issuances of the Company s capital stock may depress prices of shares of the Company s common stock or otherwise dilute the book value of shares then outstanding.
The price of the Company s common stock may be volatile, which may result in losses for investors.
Federal regulations may inhibit a takeover, prevent a transaction you may favor or limit the Company s growth opportunities, which could cause the market price of the Company s common stock to decline.
The Company may not be able to pay dividends in the future in accordance with past practice.
Full 10-K form ▸
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