714530--3/15/2006--LSB_BANCSHARES_INC_/NC/

related topics
{loss, insurance, financial}
{condition, economic, financial}
{competitive, industry, competition}
Our operating results and financial condition would likely suffer if there is deterioration in the general economic condition of the areas in which we do business. Our operating results would likely suffer if management determines that there needs to be an increase in allowance for loan losses due to certain factors. Our financial condition, results of operations and liquidity would be adversely affected if, due to changes in economic conditions or otherwise, a material number of our borrowers or borrowers with a material amount of loans outstanding with us defaulted on their loans and the security, if any, supporting such loans proved insufficient to pay those loans, and our costs related thereto, in full. Changes in interest rates could materially adversely affect our results of operations and cash flows. The businesses in which we are engaged are highly competitive and our financial condition ad results of operations could be materially adversely affected by actions taken by our competitors.

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