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our asset quality and any loan charge-offs; |
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the composition of our loan portfolio; |
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time and effort necessary to resolve nonperforming assets; |
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environmental liability associated with our lending activities; |
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the effects of the current low interest rate environment or changes in interest rates on our net interest income, net interest margin, our investments, and our loan originations, and our modeling estimates relating to interest rate changes; |
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our access to sources of liquidity and capital to address our liquidity needs; |
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our inability to receive dividends from our Banks, pay dividends to our common stockholders or satisfy obligations as they become due; |
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the effects of problems encountered by other financial institutions; |
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our ability to achieve organic loan and deposit growth and the composition of such growth; |
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our ability to attract and retain skilled employees or changes in our management personnel; |
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any failure or interruption of our information and communications systems; |
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our ability to identify and address cybersecurity risks; |
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the effects of the failure of any component of our business infrastructure provided by a third party; |
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our ability to keep pace with technological changes; |
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our ability to successfully develop and commercialize new or enhanced products and services; |
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current and future business, economic and market conditions in the United States generally or in Illinois in particular; |
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the geographic concentration of our operations in the State of Illinois; |
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our ability to effectively compete with other financial services companies and the effects of competition in the financial services industry on our business; |
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our ability to attract and retain customer deposits; |
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our ability to maintain our Banks’ reputations; |
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severe weather, natural disasters, pandemics, acts of war or terrorism or other external events; |
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the effects of the coronavirus pandemic; |
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possible impairment of our goodwill and other intangible assets; |
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the impact of, and changes in applicable laws, regulations and accounting standards and policies; |
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our prior status as an S Corp; |
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possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations; |
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the effectiveness of our risk management and internal disclosure controls and procedures; |
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market perceptions associated with certain aspects of our business; |
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the one-time and incremental costs of operating as a standalone public company; |
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our ability to meet our obligations as a public company, including our obligations under Section 404 of Sarbanes-Oxley; and |
3
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damage to our reputation from any of the factors described above, in Part I, Item 1A “Risk Factors”, Part II, Item 7 "Management’s Discussion and Analysis of Financial Condition and Results of Operations", or elsewhere in this Annual Report on Form 10‑K. |