1058438--3/15/2007--CFS_BANCORP

related topics

{loss, insurance, financial}

{regulation, change, law}

{stock, price, share}

{system, service, information}

{personnel, key, retain}

{competitive, industry, competition}

{condition, economic, financial}

{acquisition, growth, future}

Our operations are subject to interest rate risk and variations in interest rates may negatively affect financial performance. We are subject to lending risk and could suffer losses in our loan portfolio despite our underwriting practices. Our allowance for losses on loans may be insufficient to cover actual losses on loans. We operate in a highly competitive industry and market area with other financial institutions offering products and services similar to those we offer. The trading volume in our common stock is less than that of larger public companies which can cause volatility in our stock price. We may experience difficulties in managing our growth, and our growth strategy involves risks that may negatively impact our net income. We are subject to extensive government regulation and supervision which could adversely affect our operations. We may be subject to examinations by taxing authorities which could adversely affect our results of operations. We may not be able to attract and retain the skilled employees necessary for our business. Our information systems may experience an interruption or breach in security that could impact our operational capabilities. Our ability to pay dividends is subject to regulatory limitations and may be restricted.

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1058438--3/15/2007--CFS_BANCORP_INC