1143848--3/28/2006--LSB_CORP

related topics

{loan, real, estate}

{competitive, industry, competition}

{personnel, key, retain}

{regulation, government, change}

{debt, indebtedness, cash}

{loss, insurance, financial}

If the Company has higher loan losses than it has allowed for, its earnings could materially decrease A significant amount of the Company s loans are concentrated in northeastern Massachusetts and southern New Hampshire, and adverse conditions in this area could negatively impact its operations. The Company operates in a highly regulated environment and may be adversely impacted by changes in law and regulations The Company has strong competition within its market area which may limit the Company s growth and profitability The success of the Company is dependent on hiring and retaining certain key personnel The Company relies on dividends from the Bank for substantially all of its revenue

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