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| related topics |
| {loan, real, estate} |
| {stock, price, share} |
| {regulation, change, law} |
| {competitive, industry, competition} |
| {personnel, key, retain} |
| {condition, economic, financial} |
| {operation, natural, condition} |
| {debt, indebtedness, cash} |
| {provision, law, control} |
| {acquisition, growth, future} |
| {stock, price, operating} |
| {control, financial, internal} |
| {regulation, government, change} |
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If any of the following risks actually occur, our financial condition and results of operations could be materially and adversely affected. If this were to happen, the value of our common stock could decline significantly, and you could lose all or part of your investment.
Risks Associated with our Business.
We are highly dependent on real estate and a downturn in the real estate market could hurt our business.
We also have a concentration in higher risk commercial real estate loans.
Our real estate lending also exposes us to the risk of environmental liabilities.
Our business is subject to interest rate risk and changes in interest rates may adversely affect our performance and financial condition.
Failure to successfully execute our strategy could adversely affect our performance.
Economic conditions in the Central Coast of California area could adversely affect our operations and/or cause us to sustain losses.
We face strong competition from financial service companies and other companies that offer banking services that could hurt our business.
We may not be able to attract and retain skilled people
Our internal operations are subject to a number of risks.
We depend on cash dividends from our subsidiary bank to meet our cash obligations.
Risks Associated with our Industry.
We are subject to government regulation that could limit or restrict our activities, which in turn could adversely impact our operations.
New legislative and regulatory proposals may affect our operations and growth.
Risks Associated with our Stock.
Our Stock Trades Less Frequently Than Others.
Our Stock Price Is Affected by a Variety of Factors.
Our Common Stock Is Not An Insured Deposit
Our Articles Of Incorporation and By-Laws, As Well As Certain Banking Laws, May Have An Anti-Takeover Effect.
Full 10-K form ▸
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