1047537--3/29/2006--PSB_BANCORP

related topics

{loan, real, estate}

{stock, price, share}

{personnel, key, retain}

{financial, litigation, operation}

{provision, law, control}

{acquisition, growth, future}

{regulation, government, change}

We may be adversely affected by government regulation. We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations. Environmental liability associated with lending activities could result in losses. Failure to implement new technologies in our operations may adversely affect our growth or profits. An investment in our common stock is not an insured deposit. Federal and state banking laws, our articles of incorporation and our by-laws may have an anti-takeover effect. Our legal lending limits are relatively low and restrict our ability to compete for larger customers. The market price for our common stock may be volatile. A court decision in favor of the purported option-holders could have an effect on our stock price.

Full 10-K form ▸

1047537--3/29/2006--PSB_BANCORP_INC