1169770--2/28/2007--FIRST_PACTRUST_BANCORP_INC

related topics
{loan, real, estate}
{provision, law, control}
{competitive, industry, competition}
{condition, economic, financial}
Rising interest rates may hurt the Company s profits. The loan portfolio possesses increased risk due to the number of multi-family, commercial real estate and consumer loans. The loan portfolio possesses increased risk due to expansion, unseasoned nature and amount of nonconforming loans. Strong Competition Within The Company s Market Area May Limit Our Growth and Profitability. The amount of common stock we control, our charter and bylaws, and state and federal statutory provisions could discourage hostile acquisitions of control.

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