1331520--3/20/2007--HOME_BANCSHARES_INC

related topics
{stock, price, share}
{stock, price, operating}
{acquisition, growth, future}
{competitive, industry, competition}
{gas, price, oil}
{operation, natural, condition}
{regulation, change, law}
{personnel, key, retain}
{tax, income, asset}
{condition, economic, financial}
The unexpected loss of key officers may materially and adversely affect our business, financial condition, results of operations and future prospects. Our growth and expansion strategy may not be successful and our market value and profitability may suffer. There may be undiscovered risks or losses associated with our acquisitions of bank subsidiaries which would have a negative impact upon our future income. An economic downturn, natural disaster or act of terrorism, especially one affecting our market areas, could adversely affect our business, financial condition, results of operations and future prospects. Competition from other financial institutions may adversely affect our profitability. Our recent results do not indicate our future results, and may not provide guidance to assess the risk of an investment in our common stock. We may not be able to raise the additional capital we need to grow and, as a result, our ability to expand our operations could be materially impaired. We are considered by the Federal Reserve Board to be a source of financial strength for White River Bancshares and may be required to support its capital. We may be unable to, or choose not to, pay dividends on our common stock. Our directors and executive officers own a significant portion of our common stock and can exert significant control over our business and corporate affairs. The holders of our subordinated debentures have rights that are senior to those of our shareholders. Risks Related to Our Industry Our profitability is vulnerable to interest rate fluctuations and monetary policy. We are subject to extensive regulation that could limit or restrict our activities and impose financial requirements or limitations on the conduct of our business, which limitations or restrictions could adversely affect our profitability. Risks Associated With Our Stock Our stock price is affected by a variety of factors, many of which are outside of our control. Our stock trading volume may not provide adequate liquidity for investors.

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