701853--3/13/2006--BANCORPSOUTH

related topics

{acquisition, growth, future}

{stock, price, share}

{loan, real, estate}

{operation, natural, condition}

{debt, indebtedness, cash}

{loss, insurance, financial}

{provision, law, control}

{control, financial, internal}

{tax, income, asset}

{cost, regulation, environmental}

Rising interest rates may result in higher interest rates being paid on interest bearing deposits than are charged on outstanding loans. Our allowance for loan losses may not be adequate to cover actual loan losses. Hurricanes or other adverse weather events could negatively affect local economies where we maintain branch offices or cause disruption or damage to our branch office locations, which could have an adverse effect on our business or results of operations. Our operations are subject to extensive governmental regulation. We face risks in connection with completed or potential acquisitions. Issuing additional shares of our common stock to acquire other banks, bank holding companies, financial holding companies and insurance agencies may result in dilution for existing shareholders and may adversely affect the market price of our stock. Our ability to declare and pay dividends is limited by law. Our growth strategy includes risks that could have an adverse effect on financial performance. Diversification in types of financial services may adversely affect our financial performance. Monetary policies and economic factors may limit our ability to attract deposits or make loans. We compete with other financial holding companies, bank holding companies, banks, insurance and financial services companies. Anti-takeover provisions may discourage a change of our control. Failure of our internal control over financial reporting could harm our business and financial results.

Full 10-K form ▸

701853--3/13/2006--BANCORPSOUTH_INC