| Industries |
|---|
| Investment Banking and Brokerage |
| Real Estate |
| Real Estate Services |
| Asset Management and Custody Banks |
| Technology Hardware Storage and Peripherals |
| Information Technology |
| Technology Hardware and Equipment |
| Data Processing Services |
| Data Processing and Outsourced Services |
| Diversified Financial Services |
| Exposures |
|---|
| Economic |
| Regime |
| Judicial |
| Political reform |
| Military |
| Provide |
| Express intent |
| Event Codes |
|---|
| Military blockade |
| Accident |
| Warn |
| Sanction |
| Adjust |
| Yield to order |
| Solicit support |
| Grant |
| Human death |
| Sports contest |
| Wiki | Wiki Summary |
|---|---|
| OfficeMax | OfficeMax is an American office supplies retailer founded in 1988. It is now a subsidiary of The ODP Corporation, which is headquartered in Boca Raton, Florida. |
| Order of Australia | The Order of Australia is an honour that recognises Australian citizens and other persons for outstanding achievement and service. It was established on 14 February 1975 by Elizabeth II, Queen of Australia, on the advice of the Australian Government. |
| Video game | A video game or computer game is an electronic game that involves interaction with a user interface or input device – such as a joystick, controller, keyboard, or motion sensing device – to generate visual feedback. This feedback mostly commonly is shown on a video display device, such as a TV set, monitor, touchscreen, or virtual reality headset. |
| Economic interventionism | Economic interventionism, sometimes also called state interventionism, is an economic policy position favouring government intervention in the market process with the intention of correcting market failures and promoting the general welfare of the people. An economic intervention is an action taken by a government or international institution in a market economy in an effort to impact the economy beyond the basic regulation of fraud, enforcement of contracts, and provision of public goods and services. |
| The Loss | "The Loss" is the 84th episode of the American science fiction television series Star Trek: The Next Generation, and the tenth episode of the fourth season. It originally aired on December 31, 1990. |
| At a Loss | …At a Loss is the third album by American sludge metal band Buzzoven, released on May 5, 1998, by Off the Records. The album was reissued in 2010 on vinyl and CD through Emetic Records. |
| 2022 Thailand Open (badminton) | The 2022 Thailand Open was a badminton tournament that took place at Impact Arena in Pak Kret, Thailand, from 17 to 22 May 2022. The tournament had a total prize pool of $360,000. |
| Sustainability | Sustainability was defined by the United Nations Brundtland Commission as "meeting the needs of the present without compromising the ability of future generations to meet their own needs.” It is a societal goal with three dimensions (also called pillars): the environmental, economic and social dimension. Both terms: "Sustainability" and "Sustainable developpment" are often used synonymously. |
| Negative feedback | Negative feedback (or balancing feedback) occurs when some function of the output of a system, process, or mechanism is fed back in a manner that tends to reduce the fluctuations in the output, whether caused by changes in the input or by other disturbances.\nWhereas positive feedback tends to lead to instability via exponential growth, oscillation or chaotic behavior, negative feedback generally promotes stability. |
| The General Theory of Employment, Interest and Money | The General Theory of Employment, Interest and Money is a book by English economist John Maynard Keynes published in February 1936. It caused a profound shift in economic thought, giving macroeconomics a central place in economic theory and contributing much of its terminology – the "Keynesian Revolution". |
| Mergers and acquisitions | In corporate finance, mergers and acquisitions (M&A) are transactions in which the ownership of companies, other business organizations, or their operating units are transferred or consolidated with other entities. As an aspect of strategic management, M&A can allow enterprises to grow or downsize, and change the nature of their business or competitive position. |
| Bank account | A bank account is a financial account maintained by a bank or other financial institution in which the financial transactions between the bank and a customer are recorded. Each financial institution sets the terms and conditions for each type of account it offers, which are classified in commonly understood types, such as deposit accounts, credit card accounts, current accounts, loan accounts or many other types of account. |
| Epoché | In chronology and periodization, an epoch or reference epoch is an instant in time chosen as the origin of a particular calendar era. The "epoch" serves as a reference point from which time is measured. |
| Tikrit | Tikrit (Arabic: تِكْرِيت Tikrīt [ˈtɪkriːt], Syriac: ܬܲܓܪܝܼܬܼ Tagrīṯ) is a city in Iraq, located 140 kilometres (87 mi) northwest of Baghdad and 220 kilometres (140 mi) southeast of Mosul on the Tigris River. It is the administrative center of the Saladin Governorate. |
| Software | Software is a set of computer programs and associated documentation and data. This is in contrast to hardware, from which the system is built and which actually performs the work. |
| Cloud computing | Cloud computing is the on-demand availability of computer system resources, especially data storage (cloud storage) and computing power, without direct active management by the user. Large clouds often have functions distributed over multiple locations, each location being a data center. |
| Melissa Caddick | Melissa Louise Caddick (née Grimley; born 21 April 1971–disappeared 12 November 2020) disappeared in November 2020 amid an investigation by the Australian Securities & Investments Commission (ASIC) for carrying on a financial services business without holding an Australian Financial Services (AFS) licence.Caddick vanished the day after ASIC agents and Australian Federal Police officers raided her home at Dover Heights, Sydney, New South Wales, on the suspicion that she had misappropriated approximately $30 million from investors, including her friends and family. After months of speculation as to her whereabouts, partial human remains discovered on a beach on the South Coast of New South Wales in February 2021 were confirmed to be Caddick's through DNA testing. |
| Interrupt | In digital computers, an interrupt (sometimes referred to as a trap) is a request for the processor to interrupt currently executing code (when permitted), so that the event can be processed in a timely manner. If the request is accepted, the processor will suspend its current activities, save its state, and execute a function called an interrupt handler (or an interrupt service routine, ISR) to deal with the event. |
| Marat Khusnullin | Marat Shakirzyanovich Khusnullin (born 9 August 1966) is a Russian Tatar politician serving as Deputy Prime Minister of Russia for Construction and Regional Development since 2020. He previously served as Deputy Mayor of Moscow from 2010 to 2020. |
| Qeshm Island | Qeshm (Persian: قشم, Persian pronunciation: [ɢeʃm]) is an arrow-shaped Iranian island in the Strait of Hormuz, separated from the mainland by the Clarence Strait/Khuran in the Persian Gulf (26°50′N 56°0′E). It is the largest island in Iran, and the largest in the Persian Gulf. |
| Vladimir Lenin | Vladimir Ilyich Ulyanov (22 April [O.S. 10 April] 1870 – 21 January 1924), better known by his alias Lenin, was a Russian revolutionary, politician, and political theorist. He served as the first and founding head of government of Soviet Russia from 1917 to 1924 and of the Soviet Union from 1922 to 1924. |
| Economy of Bangladesh | The Economy of Bangladesh is characterised as a developing market economy. It is the 41st largest in the world in nominal terms or at current prices, and 30th largest by purchasing power parity; international dollars at current prices. |
| Container deposit legislation in the United States | There are ten U.S. states with container deposit legislation, popularly called "bottle bills" after the Oregon Bottle Bill, the first such legislation passed.Container deposit legislation mandates a refundable deposit on certain types of recyclable beverage containers. Studies show that the recycling rate for beverage containers is vastly increased with a bottle bill. |
| Economic collapse | Economic collapse (also called Economic meltdown) is any of a broad range of bad economic conditions, ranging from a severe, prolonged depression with high bankruptcy rates and high unemployment (such as the Great Depression of the 1930s), to a breakdown in normal commerce caused by hyperinflation (such as in Weimar Germany in the 1920s), or even an economically caused sharp rise in the death rate and perhaps even a decline in population (such as in countries of the former USSR in the 1990s).Often economic collapse is accompanied by social chaos, civil unrest and a breakdown of law and order.\n\n\n== Cases ==\nThere are few well documented cases of economic collapse. |
| Success | Success is the state or condition of meeting a defined range of expectations. It may be viewed as the opposite of failure. |
| Freedom of Information Act 2000 | The Freedom of Information Act 2000 (c. 36) is an Act of the Parliament of the United Kingdom that creates a public "right of access" to information held by public authorities. |
| Tide (financial service) | Tide (Tide Platform Limited) is a UK financial technology company providing mobile-first banking services for small and medium-sized enterprises. It enables businesses to set up a current account and get instant access to various financial services (including automated bookkeeping and integrated invoicing). |
| Richard Hilton | Richard Howard Hilton (born August 17, 1955) is an American businessman. He is the chairman and co-founder of Hilton & Hyland, a real estate brokerage firm based in Beverly Hills, California, that specializes in homes and estates in Beverly Hills, Holmby Hills, Bel-Air, Brentwood, Pacific Palisades, Malibu, Hollywood Hills, as well as estates from Santa Barbara to San Diego. |
| Competitor analysis | Competitive analysis in marketing and strategic management is an assessment of the strengths and weaknesses of current and potential competitors. This analysis provides both an offensive and defensive strategic context to identify opportunities and threats. |
| Nautilus (genus) | Nautilus is a genus of cephalopods in the family Nautilidae. Species in this genus differ significantly in terms of morphology from those placed in the sister taxon Allonautilus. |
| Palmer Method | The Palmer Method of penmanship instruction was developed and promoted by Austin Palmer in the late 19th and early 20th centuries. It was largely created as a simplified style of the "Spencerian Method", which had been the major standardized system of handwriting since the 1840s. |
| Sperm donation laws by country | Sperm donation laws vary by country. Most countries have laws to cover sperm donations which, for example, place limits on how many children a sperm donor may give rise to, or which limit or prohibit the use of donor semen after the donor has died, or payment to sperm donors. |
| No Activity | No Activity is an Australian comedy television series which streams on Stan. The series is about two detectives on a stakeout. |
| Jim Crow laws | Jim Crow laws were state and local laws enforcing racial segregation in the Southern United States. Other areas of the United States were affected by formal and informal policies of segregation as well, but many states outside the South had adopted laws, beginning in the late 19th century, banning discrimination in public accommodations and voting. |
| Risk Factors |
|---|
| SOUTHWEST GEORGIA FINANCIAL CORP Item 1A Risk Factors Item 1A Risk Factors An investment in the Corporationapstas common stock and the Corporationapstas financial results are subject to a number of risks |
| Investors should carefully consider the risks described below and all other information contained in this Annual Report on Form 10-K and the documents incorporated by reference |
| Additional risks and uncertainties, including those generally affecting the industry in which the Corporation operates and risks that management currently deems immaterial may arise or become material in the future and affect the Corporationapstas business |
| Recent performance may not be indicative of future performance |
| The Corporation may not be able to sustain its profitability |
| Various factors, such as economic conditions, regulatory and legislative considerations, competition and the ability to find and retain people, may impede its ability to remain profitable |
| A deterioration in asset quality could have an adverse impact on the Corporation |
| A significant source of risk for the Corporation arises from the possibility that losses will be sustained because borrowers, guarantors and related parties may fail to perform in accordance with the terms of their loans |
| With respect to secured loans, the collateral securing the repayment of these loans includes a wide variety of diverse real and personal property that may be affected by changes in prevailing economic, environmental and other conditions, including declines in the value of real estate, changes in interest rates, changes in monetary and fiscal policies of the federal government, environmental contamination and other external events |
| In addition, decreases in real estate property values due to the nature of the Bankapstas loan portfolio, over 80prca of which is secured by real estate, could affect the ability of customers to repay their loans |
| The Bankapstas loan policies and procedures may not prevent unexpected losses that could have a material adverse effect on the Corporationapstas business, financial condition, results of operations, or liquidity |
| -25- |
| The Corporationapstas earnings depend largely on the relationship between the yield on earning assets, primarily loans and investments, and the cost of funds, primarily deposits and borrowings |
| This relationship, known as the interest rate spread, is subject to fluctuation and is affected by economic and competitive factors which influence interest rates, the volume and mix of interest earning assets and interest bearing liabilities and the level of non-performing assets |
| Fluctuations in interest rates affect the demand of customers for the Corporationapstas products and services |
| Significant fluctuations in interest rates could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| For additional information regarding interest rate risk, see Part II, Item 7A, "e Quantitative and Qualitative Disclosures About Market Risk "e |
| Changes in the level of interest rates may also negatively affect the value of the Corporationapstas assets and its ability to realize book value from the sale of those assets, all of which ultimately affect earnings |
| If the Corporationapstas allowance for loan losses is not sufficient to cover actual loan losses, earnings would decrease |
| The Bankapstas loan customers may not repay their loans according to their terms and the collateral securing the payment of these loans may be insufficient to assure repayment |
| The Bank may experience significant loan losses which would have a material adverse effect on the Corporationapstas operating results |
| Management makes various assumptions and judgments about the collectibility of the loan portfolio, including the creditworthiness of borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans |
| The Corporation maintains an allowance for loan losses in an attempt to cover any loan losses inherent in the portfolio |
| In determining the size of the allowance, management relies on an analysis of the loan portfolio based on historical loss experience, volume and types of loans, trends in classification, volume and trends in delinquencies and non- accruals, national and local economic conditions and other pertinent information |
| If those assumptions are incorrect, the allowance may not be sufficient to cover future loan losses and adjustments may be necessary to allow for different economic conditions or adverse developments in the loan portfolio |
| Technology difficulties or failures could have a material adverse effect on the Corporation |
| The Corporation depends upon data processing, software, communication and information exchange on a variety of computing platforms and networks and over the internet |
| The Corporation cannot be certain that all of its systems are entirely free from vulnerability to attack or other technological difficulties or failures |
| The Corporation relies on the services of a variety of vendors to meet its data processing and communication needs |
| If information security is breached or other technology difficulties or failures occur, information may be lost or misappropriated, services and operations may be interrupted and the Corporation could be exposed to claims from customers |
| Any of these results -26- |
| The Corporationapstas business is subject to the success of the local economies and real estate markets in which it operates |
| The Corporationapstas banking operations are located in southwest Georgia |
| Because of the geographic concentration of its operations, the Corporationapstas success significantly depends largely upon economic conditions in this area, which include volatility in the agriculture market, influx and outflow of major employers in the area, minimal population growth throughout the region |
| Deterioration in economic conditions in the communities in which the Corporation operates could adversely affect the quality of the Corporationapstas loan portfolio and the demand for its products and services, and accordingly, could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| The Corporation is less able than a larger institution to spread the risks of unfavorable local economic conditions across a large number of more diverse economies |
| The Corporation may face risks with respect to its ability to execute its business strategy |
| The financial performance and profitability of the Corporation will depend on its ability to execute its strategic plan and manage its future growth |
| Moreover, the Corporationapstas future performance is subject to a number of factors beyond its control, including pending and future federal and state banking legislation, regulatory changes, unforeseen litigation outcomes, inflation, lending and deposit rate changes, interest rate fluctuations, increased competition and economic conditions |
| Accordingly, these issues could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| The Corporation depends on its key personnel, and the loss of any of them could adversely affect the Corporation |
| The Corporationapstas success depends to a significant extent on the management skills of its existing executive officers and directors, many of whom have held officer and director positions with the Corporation for many years |
| The loss or unavailability of any of its key personnel, including G DeWitt Drew, President and CEO, John J Cole, Jr, Executive Vice President, J David Dyer, Senior Vice President and President of Empire, and George R Kirkland, Senior Vice President & Treasurer, could have a material adverse effect on the Corporationapstas business, financial condition, and results of operations or liquidity |
| Competition from financial institutions and other financial service providers may adversely affect the Corporation |
| The banking business is highly competitive, and the Corporation experiences competition in its markets from many other financial institutions |
| The Corporation competes with these other financial institutions both in attracting deposits and in making loans |
| Many of its competitors are well- established, larger financial institutions that are able to operate profitably with a narrower net interest margin and have a more diverse revenue base |
| The Corporation may face a competitive disadvantage -27- |
| There can be no assurance that the Corporation will be able to compete effectively in its markets |
| Furthermore, developments increasing the nature or level of competition could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| Changes in government regulation or monetary policy could adversely affect the Corporation |
| The Corporation and the banking industry are subject to extensive regulation and supervision under federal and state laws and regulations |
| The restrictions imposed by such laws and regulations limit the manner in which the Corporation conducts its banking business, undertakes new investments and activities and obtains financing |
| These regulations are designed primarily for the protection of the deposit insurance funds and consumers and not to benefit holders of the Corporationapstas securities |
| Financial institution regulation has been the subject of significant legislation in recent years and may be the subject of further significant legislation in the future, none of which is in the control of the Corporation |
| Significant new laws or changes in, or repeals of, existing laws could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| Further, federal monetary policy, particularly as implemented through the Federal Reserve System, significantly affects credit conditions for the Corporation, and any unfavorable change in these conditions could have a material adverse effect on the Corporationapstas business, financial condition, results of operations or liquidity |
| See Part I, Item 1, "e Supervision and Regulation "e |