740942--3/14/2008--TOWER_BANCORP_INC

related topics
{stock, price, share}
{condition, economic, financial}
{loan, real, estate}
{regulation, change, law}
{competitive, industry, competition}
{product, liability, claim}
{product, market, service}
{loss, insurance, financial}
{acquisition, growth, future}
{personnel, key, retain}
{debt, indebtedness, cash}
{financial, litigation, operation}
{system, service, information}
{provision, law, control}
{operation, natural, condition}
{control, financial, internal}
The Corporation is subject to interest rate risk. The Corporation is subject to lending risk If the Corporation s allowance for loan losses is not sufficient to cover actual loan losses, its earnings could decrease. The Corporation is subject to environmental liability risk associated with lending activities The Corporation s profitability depends significantly on economic conditions in the Commonwealth of Pennsylvania Competition from other financial institutions may adversely affect the Corporation s profitability. The Corporation is subject to extensive government regulation and supervision The Corporation s controls and procedures may fail or be circumvented New lines of business or new products and services may subject the Corporation to additional risks The Corporation s ability to pay dividends depends primarily on dividends from its banking subsidiary, which is subject to regulatory limits. The Corporation s future acquisitions could dilute your ownership and may cause it to become more susceptible to adverse economic events. The Corporation may not be able to attract and retain skilled people. The Corporation s information systems may experience an interruption or breach in security The Corporation continually encounters technological change The Corporation is subject to claims and litigation pertaining to fiduciary responsibility Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact the Corporation s business The Corporation s stock price can be volatile The trading volume in the Corporation s common stock is less than that of other larger financial services companies An investment in the Corporation s common stock is not an insured deposit The Corporation s Articles of Incorporation, By-Laws and Shareholders Rights Plan as well as certain banking laws may have an anti-takeover effect Future governmental regulation and legislation could limit the Corporation s future growth. The earnings of financial services companies are significantly affected by general business and economic conditions Financial services companies depend on the accuracy and completeness of information about customers and counterparties Consumers may decide not to use banks to complete their financial transactions

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