1222915--9/12/2006--JEFFERSON_BANCSHARES_INC

related topics
{loan, real, estate}
{acquisition, growth, future}
{personnel, key, retain}
{competitive, industry, competition}
{regulation, government, change}
{loss, insurance, financial}
{tax, income, asset}
{cost, contract, operation}
Additional operating expenses relating to our expansion activities may reduce our profitability. We may not be able to implement successfully our plans for growth. A downturn in the local economy or a decline in real estate values could hurt our earnings. Rising interest rates may hurt our earnings and asset value. Strong competition within our market area could hurt our profits and slow growth. Our commercial real estate, commercial business and multi-family real estate loans expose us to increased lending risks. We may require further additions to our allowance for loan losses, which would reduce net income. Loss of our President and Chief Executive Officer could hurt our operations. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.

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