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| related topics |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {system, service, information} |
| {loss, insurance, financial} |
| {product, market, service} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {condition, economic, financial} |
| {regulation, change, law} |
|
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Our business is concentrated in and dependent upon the continued growth and welfare of the various markets that we serve.
We may experience difficulties in managing our growth and our growth strategy involves risks that may negatively impact our net income.
Our market and growth strategy relies heavily on our management team, and the unexpected loss of key managers may adversely affect our operations.
We face intense competition in all phases of our business.
Interest rates and other conditions impact our results of operations.
We must effectively manage our credit risk.
Commercial loans make up a significant portion of our loan portfolio.
Our loan portfolio has a large concentration of commercial real estate loans, which involve risks specific to real estate value.
Our agricultural loans may involve a greater degree of risk than other loans, and the ability of the borrower to repay may be affected by many factors outside of the borrower s control.
Our one- to four-family residential mortgage loans may result in lower yields and profitability.
Our consumer loans generally have a higher degree of risk of default than our other loans.
Our allowance for loan losses may prove to be insufficient to absorb probable 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.
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.
System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
We are subject to certain operational risks, including, but not limited to, customer or employee fraud and data processing system failures and errors.
Full 10-K form ▸
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