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| related topics |
| {acquisition, growth, future} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {personnel, key, retain} |
| {capital, credit, financial} |
| {regulation, change, law} |
|
|
We cannot guarantee the consummation of our contemplated merger with DeKalb Bankshares, and if we do not complete the merger our results of operations and financial condition will be adversely affected.
Our recent operating results may not be indicative of our future operating results.
Our decisions regarding credit risk and reserves for loan losses may materially and adversely affect our business.
Lack of seasoning of our loan portfolio may increase the risk of credit defaults in the future.
An economic downturn, especially one affecting the Lexington, Richland, and Newberry Counties and the surrounding areas, could reduce our customer base, our level of deposits, and demand for financial products such as loans.
Changes in prevailing interest rates may reduce our profitability.
We are dependent on key individuals, and the loss of one or more of these key individuals could curtail our growth and adversely affect our prospects.
We are subject to extensive regulation that could limit or restrict our activities.
Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
We face strong competition for clients, which could prevent us from obtaining clients and may cause us to pay higher interest rates to attract clients.
We will face risks with respect to expansion through acquisitions or mergers.
Full 10-K form ▸
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