1000232--3/31/2009--KENTUCKY_BANCSHARES_INC_/KY/

related topics
{financial, litigation, operation}
{condition, economic, financial}
{loan, real, estate}
{regulation, change, law}
{competitive, industry, competition}
{capital, credit, financial}
{system, service, information}
Significant decline in general economic conditions, locally and nationally, will negatively affect the financial results of our banking operations. The exercise of regulatory power may have negative impact on our results of operations and financial condition. We face vigorous competition from banks and other financial institutions. This competition may reduce or limit our margins on banking services, reduce market share and adversely affect results of operations and financial condition. Defaults in the repayment of loans may negatively impact our business. Fluctuations in interest rates may negatively impact our banking business. Changes in market factors may negatively affect the value of our investment assets. Our inability to maintain appropriate levels of liquidity may have a negative impact on our results of operations and financial condition. Our results of operations and financial condition are susceptible to legal or compliance risks. Incorrect strategic decisions may have a negative impact on our results of operations and financial condition. Adverse publicity may have a negative impact on our business. An inability to process transactions may have a negative impact on our business.

Full 10-K form ▸
related documents
1000232--3/31/2010--KENTUCKY_BANCSHARES_INC_/KY/
25191--3/1/2007--COUNTRYWIDE_FINANCIAL_CORP
1033012--3/16/2006--FLAGSTAR_BANCORP_INC
805676--3/9/2006--PARK_NATIONAL_CORP_/OH/
25191--3/1/2006--COUNTRYWIDE_FINANCIAL_CORP
823094--3/16/2006--SOTHEBYS_HOLDINGS_INC
841942--3/30/2006--NTS_MORTGAGE_INCOME_FUND
841942--3/28/2007--NTS_MORTGAGE_INCOME_FUND
823094--3/1/2007--SOTHEBYS
12659--6/30/2008--H&R_BLOCK_INC
806085--2/13/2007--LEHMAN_BROTHERS_HOLDINGS_INC
823094--2/27/2008--SOTHEBYS
823094--2/27/2009--SOTHEBYS
717538--3/14/2006--ARROW_FINANCIAL_CORP
717538--3/14/2007--ARROW_FINANCIAL_CORP
1325814--3/14/2008--Federal_Home_Loan_Bank_of_Des_Moines
315709--3/1/2007--INTERNATIONAL_BANCSHARES_CORP
315709--2/29/2008--INTERNATIONAL_BANCSHARES_CORP
855931--3/9/2006--POTASH_CORP_OF_SASKATCHEWAN_INC
107681--8/24/2009--WINN_DIXIE_STORES_INC
786344--3/31/2006--GAINSCO_INC
107681--8/30/2010--WINN_DIXIE_STORES_INC
18349--3/1/2007--SYNOVUS_FINANCIAL_CORP
33769--7/12/2006--EVANS_BOB_FARMS_INC
45947--2/23/2007--HARTFORD_LIFE_INSURANCE_CO
1099369--11/29/2010--DESTINY_MEDIA_TECHNOLOGIES_INC
921183--3/2/2007--HMN_FINANCIAL_INC
796534--3/16/2009--NATIONAL_BANKSHARES_INC
885550--2/27/2009--CREDIT_ACCEPTANCE_CORP
815917--3/28/2008--JONES_FINANCIAL_COMPANIES_LP_LLP