These factors include, but are not limited to, the following, any one or more of which could materially affect the outcome of future events: • business and economic conditions generally and in the financial services industry in particular, whether nationally, regionally or in the markets in which we operate; • our ability to achieve organic loan and deposit growth, and the composition of that growth; • changes (or the lack of changes) in interest rates, yield curves and interest rate spread relationships that affect our loan and deposit pricing; • the extent of continuing client demand for the high level of personalized service that is a key element of our banking approach as well as our ability to execute our strategy generally; • our dependence on our management team and our ability to attract and retain qualified personnel; • changes in the quality or composition of our loan or investment portfolios, including adverse developments in borrower industries or in the repayment ability of individual borrowers; • inaccuracy of the assumptions and estimates we make in establishing reserves for probable loan losses and other estimates; • the concentration of our business within our geographic areas of operation in Louisiana; • concentration of credit exposure; • deteriorating asset quality and higher loan charge-offs, and the time and effort necessary to resolve problem assets; • a lack of liquidity, including as a result of a reduction in the amount of deposits we hold or other sources of liquidity; • our potential growth, including our entrance or expansion into new markets, and the need for sufficient capital to support that growth; • difficulties in identifying attractive acquisition opportunities and strategic partners that will complement our relationship banking approach; • our ability to efficiently integrate acquisitions into our operations, retain the customers of acquired businesses and grow the acquired operations; • the impact of litigation and other legal proceedings to which we become subject; • data processing system failures and errors; • cyber attacks and other security breaches; • competitive pressures in the consumer finance, commercial finance, retail banking, mortgage lending and auto lending industries, as well as the financial resources of, and products offered by, competitors; • the impact of changes in laws and regulations applicable to us, including banking, securities and tax laws and regulations and accounting standards, as well as changes in the interpretation of such laws and regulations by our regulators; • changes in the scope and costs of FDIC insurance and other coverages; • governmental monetary and fiscal policies; • hurricanes, floods, other natural disasters and adverse weather; oil spills and other man-made disasters; acts of terrorism, an outbreak of hostilities or other international or domestic calamities, acts of God and other matters beyond our control; and • other circumstances, many of which are beyond our control.