783739--3/15/2006--BANCTRUST_FINANCIAL_GROUP

related topics

{acquisition, growth, future}

{stock, price, operating}

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{competitive, industry, competition}

{operation, natural, condition}

{personnel, key, retain}

{tax, income, asset}

{regulation, change, law}

Our business strategy includes significant growth plans. Our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Our business is subject to the vitality of the local economies where we operate, and a downturn in our local economies, including as a result of hurricanes or other adverse weather conditions, could adversely affect our business. Hurricanes or other adverse weather events could negatively affect our local economies or disrupt our operations, which could have an adverse effect on our business or results of operations. We face risks with respect to future expansion. If the value of real estate in our core Northern Gulf Coast market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us. An inadequate allowance for loan losses would reduce our earnings. Our recent results may not be indicative of our future results. Our continued pace of growth may require us to raise additional capital at a time when capital may not be readily available. Changes in interest rates may negatively affect our earnings and the value of our assets. Competition from financial institutions and other financial service providers may adversely affect our profitability. We are subject to extensive regulation that could limit or restrict our activities. Our directors and executive officers own a significant portion of our common stock. We are dependent upon the services of our management team.

Full 10-K form ▸

783739--3/15/2006--BANCTRUST_FINANCIAL_GROUP_INC