717059--2/10/2006--WEST_COAST_BANCORP_/NEW/OR/

related topics

{product, market, service}

{personnel, key, retain}

{loan, real, estate}

{tax, income, asset}

{loss, insurance, financial}

{acquisition, growth, future}

{competitive, industry, competition}

Future loan losses may exceed our allowance for loan losses Rapidly changing interest rate environments could reduce our net interest margin, net interest income, fee income and net income Slower than anticipated growth in new branches and new product and service offerings could result in reduced net income The financial services industry is very competitive Decreased volumes and lower gains on sales of mortgage and SBA loans sold could adversely impact net income We may fail to complete or fail to realize anticipated benefits from our proposed acquisition of Mid-Valley Bank Inability to hire or retain certain key professionals, management and staff could adversely affect our revenues and net income.

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