1070296--3/30/2006--FIRST_CAPITAL_INC

related topics

{loan, real, estate}

{competitive, industry, competition}

{regulation, government, change}

Above average interest rate risk associated with fixed-rate loans Commercial Real Estate Lending Risks A downturn in the local economy or a decline in real estate values could hurt the Company s profits. Strong competition within the Bank s market area could hurt the Company s profit and growth. The Bank and the Company operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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