1029630--4/2/2007--GS_FINANCIAL_CORP

related topics
{condition, economic, financial}
{loss, insurance, financial}
{competitive, industry, competition}
{operation, natural, condition}
{loan, real, estate}
{product, market, service}
{cost, regulation, environmental}
{regulation, change, law}
Hurricane Katrina severely impacted our market area and there still are many uncertainties regarding recovery. Our results of operations are significantly dependent on economic conditions and related uncertainties. Changes in interest rates could have a material adverse effect on our operations. There are increased risks involved with commercial real estate and construction lending activities. Our allowance for losses on loans and leases may not be adequate to cover probable losses. We are subject to extensive regulation which could adversely affect our business and operations. We face strong competition which may adversely affect our profitability. Our ability to successfully compete may be reduced if we are unable to make technological advances.

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