1343034--4/2/2007--Community_Partners

related topics

{acquisition, growth, future}

{condition, economic, financial}

{loss, insurance, financial}

{personnel, key, retain}

{tax, income, asset}

{loan, real, estate}

{product, market, service}

{regulation, government, change}

Changes in interest rates could reduce our income, cash flows and asset values. Economic conditions either nationally or locally in areas in which our operations are concentrated may adversely affect our business. Competition may decrease our growth or profits. We plan to continue to grow rapidly and there are risks associated with rapid growth. We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations. We may fail to achieve sufficient operational integration between the two Banks to make their combination under a single holding company a financial success. Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance. We may be adversely affected by government regulation. Environmental liability associated with lending activities could result in losses. Failure to implement new technologies in our operations may adversely affect our growth or profits.

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1343034--4/2/2007--Community_Partners_Bancorp