850626--3/22/2006--FULTON_BANCSHARES

related topics

{condition, economic, financial}

{loan, real, estate}

{competitive, industry, competition}

{loss, insurance, financial}

{personnel, key, retain}

{debt, indebtedness, cash}

{product, liability, claim}

The Corporation is subject to the conditions established in the Federal Reserve Bank s Memorandum of Understanding (MOU) and the Office of the Comptroller of the Currency s (OCC) Stipulation and Consent Order. The Corporation s business is subject to interest rate risk and variations in interest rates may negatively affect its financial performance. The Corporation is subject to lending risk. The Corporation s allowance for possible loan losses may be insufficient. The Corporation s profitability depends significantly on economic conditions in Fulton County, Pennsylvania. There is no assurance that the Corporation will be able to successfully compete with others for business. The Corporation s ability to pay dividends depends primarily on dividends from the Bank, which is subject to regulatory limits. The Corporation may not be able to attract and retain skilled people. The Corporation is subject to claims and litigation pertaining to fiduciary responsibility.

Full 10-K form ▸

850626--3/22/2006--FULTON_BANCSHARES_CORP