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| related topics |
| {stock, price, share} |
| {condition, economic, financial} |
| {product, market, service} |
| {acquisition, growth, future} |
| {regulation, government, change} |
| {loan, real, estate} |
| {debt, indebtedness, cash} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {financial, litigation, operation} |
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Our recent growth and financial performance will be negatively impacted if we are unable to execute our growth strategy.
Like most banking organizations, our business is highly susceptible to credit risk.
Our commercial real estate loan portfolio has and will continue to be affected by the on-going correction in residential real estate prices and reduced levels of home sales.
Our allowance for loan losses may not be sufficient to cover actual loan losses, which could adversely affect our earnings.
Changes in interest rates and other factors beyond our control may adversely affect our earnings and financial condition.
If our banks or holding company were unable to borrow funds through access to capital markets, we may not be able to meet the cash flow requirements of our depositors and borrowers, or the operating cash needs to fund corporate expansion and other corporate activities.
We face risk related to our operational, technological and organizational infrastructure.
Acquisitions or mergers entail risks which could negatively affect our operations.
We rely heavily on our management and other key personnel, and the loss of key members may adversely affect our operations.
Competition may decrease our growth or profits.
Reputational risk and social factors may impact our results.
Changes in government regulations and legislation could limit our future performance and growth.
The geographic concentration of our markets makes our business highly susceptible to local economic conditions.
If we do not adjust to rapid changes in the financial services industry, our financial performance may suffer.
Hurricanes or other adverse weather events could negatively affect our local economies or disrupt our operations, which would have an adverse effect on our business or results of operations.
We cannot guarantee that we will pay dividends to shareholders in the future.
The trading history of our common stock is characterized by low trading volume. The value of your investment may be subject to sudden decreases due to the volatility of the price of our common stock.
We may issue additional securities, which could dilute your ownership percentage.
Full 10-K form ▸
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