1130144--3/15/2006--SIERRA

related topics

{loan, real, estate}

{condition, economic, financial}

{loss, insurance, financial}

{provision, law, control}

{stock, price, share}

{competitive, industry, competition}

{stock, price, operating}

{cost, operation, labor}

Poor Economic Conditions in Our Market Areas May Cause Us to Suffer Higher Default Rates on Our Loans and Leases. Poor Economic Conditions Affecting the Agricultural Industry Could Have an Adverse Effect on Our Customers and Their Ability to Make Payments to Us. Concentrations of Real Estate Loans Could Subject Us to Increased Risks in the Event of a Real Estate Recession or Natural Disaster. We May Have Difficulty Managing Our Growth. Our Earnings are Subject to Interest Rate Risk. We Operate in a Competitive Market Dominated by Banks and Other Financial Services Providers, Many of Which Have Lower Cost Structures and Offer More Services. You May Have Difficulty Selling Your Shares in the Future If a More Active Trading Market for Our Stock Does Not Develop. We May Experience Loan and Lease Losses in Excess of Our Allowance for Loan and Lease Losses. Our Directors and Executive Officers Control a Near-Majority of Our Stock, and Your Interests May Not Always be the Same as Those of the Board and Management. Provisions in Our Articles of Incorporation Will Delay or Prevent Changes in Control of Our Corporation or Our Management.

Full 10-K form ▸

1130144--3/15/2006--SIERRA_BANCORP