1093897--3/19/2008--COASTAL_BANKING_CO

related topics

{acquisition, growth, future}

{condition, economic, financial}

{loss, insurance, financial}

{personnel, key, retain}

{capital, credit, financial}

{regulation, change, law}

Our recent operating results may not be indicative of our future operating results. Our decisions regarding credit risk and reserves for loan losses may materially and adversely affect our business. An economic downturn, especially one affecting the primary market areas of our banks, could reduce our customer base, our level of deposits, and demand for financial products such as loans. Our profitability is vulnerable to interest rate fluctuations. We are dependent on key individuals and the loss of one or more of these key individuals could curtail our growth and adversely affect our prospects. We are subject to extensive regulation that could limit or restrict our activities. Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed. We face strong competition for customers, which could prevent us from obtaining customers and may cause us to pay higher interest rates to attract customers. We will face risks with respect to future expansion and acquisitions or mergers.

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1093897--3/19/2008--COASTAL_BANKING_CO_INC