898018--3/23/2007--MOUNTAIN_BANK_HOLDING_CO

related topics
{loan, real, estate}
{loss, insurance, financial}
{personnel, key, retain}
{provision, law, control}
{regulation, change, law}
{stock, price, share}
{competitive, industry, competition}
{condition, economic, financial}
Fluctuating interest rates can adversely affect our profitability Our allowance for loan losses may not be adequate to cover actual loan losses, which could adversely affect our earnings Some of our loan concentrations present a business risk if segments of the economy suffer a downturn An economic downturn in the market area we serve may cause us to have lower earnings and could increase our credit risk associated with our loan portfolio Competition in our market area may limit our future success There is little trading activity in our outstanding shares Our business could be harmed if we lost the services of our senior management team There are restrictions on changes in control of the Company that could decrease our shareholders chance to realize a premium on their shares Government Regulation and Monetary Policy

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