1000232--3/31/2010--KENTUCKY_BANCSHARES_INC_/KY/

related topics
{financial, litigation, operation}
{condition, economic, financial}
{loan, real, estate}
{regulation, change, law}
{loss, insurance, financial}
{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. Higher FDIC Deposit Insurance Premiums and Assessments Could Adversely Affect Our 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.

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