707805--3/15/2007--USB_HOLDING_CO_INC

related topics

{loan, real, estate}

{competitive, industry, competition}

{loss, insurance, financial}

{regulation, change, law}

{tax, income, asset}

Strong competition within the Company s market areas may limit its growth and profitability. Changes in interest rates may reduce the Company s net income. The geographic concentration of the Company s loan portfolio and lending activities may increase its credit risk. The Company s continued emphasis on real estate lending could adversely affect the Company s net income. If the Company s allowance for loan losses is not sufficient to cover actual loan loss, net income may be adversely affected. The Company operates in a highly regulated industry, which limits the manner and scope of the Company s business activities. Changes in laws, government regulation, and monetary policy may have a material effect on the Company s results of operations.

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