"We also offer various ancillary services as part of our commitment to customer service. See discussion below in the section entitled "Mergers and Acquisitions." One of the credit unions in our market area is among the largest in the nation. In addition, these reports are shared with the Bank's Board of Directors. We may also invest up to $60 million in time deposits with other financial institutions. Once a quarter, our interest rate risk exposure is evaluated by our Board of Directors. In May 2016, we completed the acquisition of SBA Complete. Our culture is guided by a philosophy we call Our Promise to Service Excellence. Item 1A. Risk FactorsAn investment in our common stock involves certain risks. As a result, the demand for our products and services may be significantly impacted. Unfavorable economic conditions could adversely affect our business. This trend is likely to continue in the future. The soundness of other financial institutions could adversely affect us. We may be adversely impacted by the transition from LIBOR as a reference rate. We could experience losses due to competition with other financial institutions.
