1137547--3/15/2006--UNITED_SECURITY_BANCSHARES

related topics
{competitive, industry, competition}
{condition, economic, financial}
{loan, real, estate}
{loss, insurance, financial}
{acquisition, growth, future}
{personnel, key, retain}
{capital, credit, financial}
The Company s financial performance is subject to interest rate risk . The deterioration of local economic conditions in the Company s market area could hurt profitability Concentrations in commercial and industrial loans, real estate-secured commercial loans, and real estate construction loans, may expose the Company to increased lending risks, especially in the event of a recession The Company faces strong competition which may adversely affect its operating results. The Company s growth and expansion strategy may not prove to be successful and as a result, its market value and profitability may suffer. The loss of any of the Company s executive officers or key personnel could be damaging to the business. The Company could experience loan losses which exceed the overall allowance for loan losses. The regulatory environment under which the Company operates may have an adverse impact on the banking industry. If the Company lost a significant portion of its low-cost core deposits, it would negatively impact profitability.

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