1035092--3/16/2006--SHORE_BANCSHARES

related topics

{stock, price, share}

{loan, real, estate}

{regulation, government, change}

{loss, insurance, financial}

{condition, economic, financial}

{competitive, industry, competition}

{personnel, key, retain}

{provision, law, control}

{product, market, service}

{acquisition, growth, future}

The Company s future depends on the successful growth of its subsidiaries A majority of our business is concentrated in Maryland and Delaware; a significant amount of our business is concentrated in real estate lending Interest rates and other economic conditions will impact our results of operation The Banks may experience loan losses in excess of their allowances Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements The market value of our investments might decline The banking industry is heavily regulated; significant regulatory changes could adversely affect our operations We operation in a highly competitive market Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements The Company s Ability to Pay Dividends is Limited The loss of key personnel could disrupt our operations and result in reduced earnings We may be subject to claims The shares of the Company s common stock are not heavily traded Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements Back to Table of Contents Index to Financial Statements The Shares of the Company s common stock are not insured We may be adversely affected by recent legislation We may not be able to keep pace with developments in technology The Company s Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover

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1035092--3/16/2006--SHORE_BANCSHARES_INC