1093728--3/16/2006--PACIFIC_FINANCIAL_CORP

related topics

{product, market, service}

{loss, insurance, financial}

{tax, income, asset}

{personnel, key, retain}

{loan, real, estate}

{competitive, industry, competition}

Future loan losses may exceed our allowance for loan losses. Rapidly changing interest rate environments could reduce our net interest margin, net interest income, fee income and net income Slower than anticipated growth in new branches and new product and service offerings could result in reduced net income The financial services industry is very competitive Decreased volumes and lower gains on sales of mortgage loans sold could adversely impact net income Inability to hire or retain certain key professionals, management and staff could adversely affect our revenues and net income

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