1169770--3/9/2006--FIRST_PACTRUST_BANCORP_INC

related topics

{loan, real, estate}

{provision, law, control}

{competitive, industry, competition}

{condition, economic, financial}

Rising interest rates may hurt our profits. Our loan portfolio possesses increased risk due to our substantial number of multi-family, commercial real estate and consumer loans. Our loan portfolio possesses increased risk due to its rapid expansion, unseasoned nature and amount of nonconforming loans. Strong Competition Within Our 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. If economic conditions deteriorate, our results of operations and financial condition could be adversely impacted as borrowers ability to repay loans declines and the value of the collateral securing our loans decreases.

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