846901--3/16/2006--LAKELAND_BANCORP_INC

related topics
{loss, insurance, financial}
{condition, economic, financial}
{debt, indebtedness, cash}
{regulation, government, change}
{acquisition, growth, future}
We are subject to interest rate risk and variations in interest rates may negatively affect our financial performance. Lakeland s ability to pay dividends is subject to regulatory limitations which, to the extent that our holding company requires such dividends in the future, may affect our holding company s ability to pay its obligations and pay dividends to shareholders. Lakeland s allowance for loan and lease losses may not be adequate to cover actual losses. Lakeland is subject to various lending and other economic risks that could adversely affect our results of operations and financial condition. Lakeland may suffer losses in its loan portfolio despite its underwriting practices. Lakeland faces strong competition from other financial institutions, financial service companies and other organizations offering services similar to the services that Lakeland provides. If we do not successfully integrate any banks that we may acquire in the future, the combined company may be adversely affected.

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