1353268--12/26/2006--LIBERTY_BANCORP

related topics

{loan, real, estate}

{provision, law, control}

{personnel, key, retain}

{competitive, industry, competition}

{acquisition, growth, future}

{regulation, government, change}

{tax, income, asset}

Our emphasis on construction, commercial and multi-family real estate lending and commercial business lending may expose us to increased lending risks. Our loan portfolio has significant concentrations among a small number of borrowers; as a result, we could be adversely affected by difficulties experienced by a small number of borrowers. A downturn in the local economy or a decline in real estate values could hurt our profits. Strong competition within our market area could hurt our profits and slow growth. We will incur additional expenses relating to our strategic plan to expand through de novo branching in the Kansas City metropolitan area. Certain interest rate movements may hurt our earnings and asset value. The 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. Office of Thrift Supervision regulations and anti-takeover provisions in our articles of incorporation restrict the accumulation of our common stock, which may adversely affect our stock price.

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1353268--12/26/2006--LIBERTY_BANCORP_INC