723646--3/12/2008--FRANKLIN_FINANCIAL_SERVICES_CORP

related topics

{stock, price, share}

{competitive, industry, competition}

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{regulation, change, law}

{personnel, key, retain}

Risk Factors Relating to the Corporation A focus on commercial loans may increase the risk of substantial credit losses. The allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio. The Bank's lending limit is smaller than many of our competitors, which affects the size of the loans it can offer customers. The Corporation depends on the services of its Management team and the unexpected loss of any member of the Management team could disrupt and adversely affect its operations. There is strong competition in the Bank's primary market areas. The Corporation may be affected by local, regional and national economic conditions over which it has no control. Changes in interest rates could have an adverse impact upon our results of operations. The Corporation is subject to extensive governmental regulation. In order to remain competitive, the Bank may be required to spend a significant amount of money on technology. Risk Factors Relating to the Common Stock The FDIC does not insure investments in the Corporation's common stock. There is a limited trading market for the Corporation's common stock. The Bank's ability to pay dividends to the Corporation is subject to regulatory limitations that may affect the Corporation's ability to pay dividends to its shareholders.

Full 10-K form ▸

723646--3/12/2008--FRANKLIN_FINANCIAL_SERVICES_CORP_/PA/