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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {stock, price, share} |
| {regulation, government, change} |
| {product, liability, claim} |
| {debt, indebtedness, cash} |
| {competitive, industry, competition} |
| {customer, product, revenue} |
| {loan, real, estate} |
| {stock, price, operating} |
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As a financial services company, our business and earnings are significantly affected by general business and economic conditions, particularly in the real estate industry, and accordingly, our business and earnings could be harmed in the event of an economic slowdown or recession or a market downturn or disruption.
Recent developments in the residential mortgage and related markets and the economy may adversely affect our business.
Our earnings are significantly affected by the fiscal and monetary policies of the federal government and its agencies.
The financial services industry is highly competitive.
We are heavily regulated by federal agencies.
The concentration of our assets in Florida makes us sensitive to changes in the economic, demographic and regulatory conditions in that state.
Maintaining or increasing our market share depends on market acceptance and regulatory approval of new products and services.
The holding company relies on dividends from its subsidiaries for most of its revenue.
Our accounting policies and methods determine how we report our financial condition and results of operations, and they may require management to make estimates about matters that are inherently uncertain.
We have an active acquisition program.
Our mix of products and customers subjects us to potential concentration risk.
Our stock price can be volatile.
Full 10-K form ▸
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