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| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {system, service, information} |
| {product, market, service} |
| {cost, regulation, environmental} |
| {condition, economic, financial} |
|
|
Our earnings may not continue to grow if we are unable to successfully attract core deposits and lending opportunities and exploit opportunities to generate fee-based income.
Our growth-oriented business strategy could be adversely affected if we are not able to attract and retain skilled employees and manage our expenses.
Curtailment of the Small Business Administration loan program could negatively affect the Company.
Risks Related to the Banking Industry:
The Company is subject to interest rate risk.
Changes in local economic conditions could adversely affect our loan portfolio.
There is a risk that we may not be repaid in a timely manner, or at all, for loans we make.
Our allowance for loan losses may not be adequate to cover actual losses.
We are in competition with many other banks, including larger commercial banks which have greater resources than us.
The laws that regulate our operations are designed for the protection of depositors and the public, but not our stockholders.
We may be subject to higher operating costs as a result of government regulation.
We cannot predict how changes in technology will impact our business.
The Company s information systems may experience an interruption or breach in security.
Full 10-K form ▸
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