There are "ups" and "downs" in practically every business and stock. Although there are no guarantees about the stock market or TCC stock, before you invest in any security, you can help protect yourself by being an educated investor. If you are interested in TCC stock, we recommend that, at a minimum, you read our latest annual report and 10-K, 10-Q and 8-K reports to the SEC. Our recent proxy statements for shareholder meetings also contain important information. It is advisable to learn more about us and our industry through a variety of public materials.
The information provided on this web site should be read in conjunction with the information set forth in the Quantitative and Qualitative Disclosures about Market Risk section, the consolidated financial statements and notes thereto, and the Risk Factors provided in TCC's most recent Form 10-K, as may be amended and other filings. TCC's Filings with the Securities Exchange Commission (SEC) are available through this website or on the SEC's website . You can also visit the SEC at its Washington, DC or regional offices for information.
Special Note Concerning Forward-Looking Statements
This website (including any information incorporated by reference) may contain, and future oral and written statements of TCC, LANB and/or TG and its management may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future performance and business of TCC, LANB and/or TG. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of TCC's management and on information currently available to management, are generally identifiable by the use of words such as "believe," "expect," "anticipate," "plan," "intend," "estimate," "may," "will," "would," "could," "should" or other similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and TCC undertakes no obligation to update any statement in light of new information or future events. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Additional information concerning TCC and its business, including additional factors that could materially affect TCC's financial results, is included in TCC's filings with the Securities and Exchange Commission.
Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on our operations and future prospects include, but are not limited to, the following:
- Our profitability is dependent upon the health of the markets in which we operate.
- The effects from changes in interest rates (including the effects of changes in the rate of prepayments of Trinity's assets), the policies of the Board of Governors of the Federal Reserve System and other conditions that impact our results of operations.
- Our ability to effectively manage our credit risk, including risks specific to real estate value due to the large concentration of real estate loans in our portfolio.
- Our ability to effectively manage our construction and development loan portfolio risk, as such loans are based upon estimates of costs and value associated with completed projects which may be inaccurate or change rapidly.
- Our ability to manage our allowance for loan losses to provide sufficient reserves to absorb potential losses in our loan portfolio.
- Our effective management of growth and the risks inherent in our growth strategy that may impact our net income.
- Our ability to compete with other banks and financial institutions in all lines of business
- Our ability to raise additional capital in the future, which may not be available when it is needed.
- Our ability to attract and retain key management and key personnel may affect future growth and earnings.
- Government regulations can result in limitations to our operations.
- Technology is continually changing and we must effectively implement new innovations in providing service to our customers.
- There is a limited trading market for our common shares and, as with all companies, shareholders may not be able to resell shares at or above the price paid.
- System failure or breaches of our network security could subject us to increased operating costs, damage to our reputation, litigation and other liabilities.
- We are subject to certain operational risks, including customer or employee fraud and data processing systems failures and errors.
- Any failure to pay interest on our debts may adversely affect our ability to pay dividends.
- The strength of the United States economy in general and the strength of the local economies in which we conduct our operations which may be less favorable than expected and may result in, among other things, a deterioration in the credit quality and value of our assets.
- The economic impact of past and any future terrorist attacks, acts of war or threats thereof, and the response of the United States to any such threats and attacks.
- The costs, effects and outcomes of existing or future litigation.
- Consumer spending and saving habits which may change in a manner that affects our business adversely.
- Changes in accounting policies and practices, as may be adopted by state and federal regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board. .
These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Additional information concerning TCC and our business, including other factors that could materially affect our financial results, will be included in our filings with the Securities and Exchange Commission.