859222--4/2/2007--CARROLLTON_BANCORP

related topics

{condition, economic, financial}

{product, market, service}

{stock, price, share}

{loss, insurance, financial}

{regulation, government, change}

{tax, income, asset}

{regulation, change, law}

{system, service, information}

Competition may decrease our growth or profits. Changes in interest rates and other factors beyond our control may adversely affect our earnings and financial condition. Our allowance for loan losses may not be adequate to cover our actual loan losses, which could adversely affect our earnings. Changes in local economic conditions could adversely affect our business. Government regulation significantly affects our business. Technology failure could adversely affect our operations and profits. Our ability to pay dividends is limited by law and contract. The market price for our common stock may be volatile.

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