885275--3/13/2009--WILSON_BANK_HOLDING_CO

related topics
{capital, credit, financial}
{loss, insurance, financial}
{loan, real, estate}
{competitive, industry, competition}
{regulation, government, change}
{personnel, key, retain}
{condition, economic, financial}
An inadequate allowance for loan losses would reduce the Company s earnings. Liquidity needs could adversely affect the Company s results of operations and financial condition. Competition from financial institutions and other financial service providers may adversely affect the Company s profitability. The Company s key management personnel may leave at any time The Company, as well as the Bank, operate in a highly regulated environment and are supervised and examined by various federal and state regulatory agencies who may adversely affect the Company s ability to conduct business. The enactment of Emergency Economic Stabilization Act of 2008 and the American Recovery and Reinvestment Act of 2009 may not be able to stabilize the U.S. financial system or the economy and may significantly affect the Company s financial condition, results of operation or liquidity. Stress on the Federal Home Loan Bank system may cause our results of operations and financial condition to be adversely affected.

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