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| related topics |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {product, market, service} |
| {system, service, information} |
| {loss, insurance, financial} |
|
|
Difficult market conditions have adversely affected our industry.
Current levels of market volatility are unprecedented.
The soundness of other financial institutions could adversely affect us.
There can be no assurance that recently enacted legislation will stabilize the U.S. financial system.
The impact on us of recently enacted legislation, in particular the Emergency Economic Stabilization Act of 2008 and American Recovery and Reinvestment Act of 2009 and their implementing regulations, and actions by the FDIC, cannot be predicted at this time.
If there is a significant downturn in our primary market area, our credit risk could be adversely affected and result in loss.
We are subject to strain from competition from both large banks and small denovo banks in our market. If the large bank competition increases or focuses more heavily on our market, our business could suffer. Additionally, if we are forced to compete with the small denovo banks in our market for deposits, our business could suffer.
If we experience a further deterioration in our asset quality, this could negatively affect our performance and the value of our common stock. Our credit administration process is a critical function in maintaining asset quality. A failure in the effectiveness of this process may adversely impact our loan underwriting or monitoring and in either case, negatively affect our asset quality.
We may incur losses if we are unable to successfully manage interest rate risk.
We have operational risk that could impact our ability to provide services to our customers.
Full 10-K form ▸
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