835324--3/16/2007--S_Y_BANCORP_INC

related topics

{loss, insurance, financial}

{condition, economic, financial}

{regulation, government, change}

{personnel, key, retain}

{competitive, industry, competition}

Investments in Bancorp s common stock involve risk, and Bancorp s profitability and success may be affected by a number of factors including those discussed below. Fluctuations in interest rates could reduce Bancorp s profitability. Competition with other financial institutions could adversely affect Bancorp s profitability. The unexpected loss of key members of Bancorp s management team may adversely affect Bancorp s operations. Bancorp s profitability depends on local and national economic conditions. If Bancorp s allowance for loan losses is not sufficient to cover actual loan losses, Bancorp s earnings could decrease. Bancorp operates in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.

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