1031233--3/23/2007--PINNACLE_BANKSHARES_CORP

related topics
{condition, economic, financial}
{regulation, change, law}
{loan, real, estate}
{loss, insurance, financial}
{cost, contract, operation}
{competitive, industry, competition}
{regulation, government, change}
Changes in economic conditions in the Company s market area could adversely affect its financial condition and performance. Changes in interest rates may have an adverse effect on the Company s profitability. If the Company s allowance for loan losses becomes inadequate, its results of operations may be adversely affected. The Company may be adversely affected by government regulation. The concentration in loans secured by real estate may increase our credit losses, which would negatively affect our net income Demand for loan and deposit products The Company s future success will depend on its ability to compete effectively in the highly competitive financial services industry. Changes in accounting standards could materially impact the Company s financial statements. Employers Accounting for Defined Benefit Pension and Other Postretirement Plans

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