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| related topics |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {acquisition, growth, future} |
| {operation, natural, condition} |
| {debt, indebtedness, cash} |
| {financial, litigation, operation} |
| {stock, price, share} |
| {regulation, government, change} |
| {capital, credit, financial} |
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Our allowance for loan and lease losses may not be adequate to cover actual losses.
Our current level of nonperforming loans and future growth may require us to raise additional capital but that capital may not be available.
We may suffer losses in our loan portfolio despite our underwriting practices.
Holders of our Series A Preferred Stock have certain voting rights that may adversely affect our common shareholders, and the holders of the Series A Preferred Stock may have interests different from our common shareholders.
Our ability to pay dividends depends primarily on dividends from our banking subsidiary, which are subject to regulatory limits and we are subject to other dividend limitations.
Competition from other financial institutions may adversely affect our profitability.
The Company has a lower level of core deposits and a higher level of wholesale funding relative to our peer institutions.
Our ability to manage liquidity is always critical in our operation, but more so today given the uncertainty within the capital markets.
Negative publicity could damage our reputation and adversely impact our business and financial results.
Risks Related to Our Industry
Recent legislative and regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. banking system.
Difficult market conditions and economic trends have adversely affected our industry and our business.
Our business is subject to interest rate risk and variations in interest rates may negatively affect our financial performance.
Future governmental regulation and legislation could limit our future growth.
Changes in consumer use of banks and changes in consumer spending and saving habits could adversely affect the Company s financial results.
Acts or threats of terrorism and political or military actions taken by the United States or other governments could adversely affect general economic or industry conditions.
Full 10-K form ▸
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