![]() Risks related to the integration of acquired businesses and any future acquisitions ![]() Inaccuracy of the assumptions and estimates we make in establishing reserves for probable loan losses and other estimates Time and effort necessary to resolve nonperforming assets Lack of seasoning in our loan portfolio Table of Contentsĭeteriorating asset quality and higher loan charge-offs Our ability to maintain our historical earnings trends Ĭoncentration of our products and services in the transportation industry Ĭredit risk associated with our loan portfolio Our ability to mitigate our risk exposures There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:īusiness and economic conditions generally and in the bank and non-bank financial services industries, nationally and within our local market areas Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. ![]() Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. These forward-looking statements are not historical facts and are based on current expectations, estimates and projections about our industry, management's beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. These statements are often, but not always, made through the use of words or phrases such as "may," "should," "could," "predict," "potential," "believe," "will likely result," "expect," "continue," "will," "anticipate," "seek," "estimate," "intend," "plan," "projection," "would" and "outlook," or the negative version of those words or other comparable of a future or forward-looking nature. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance.
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