92339--3/3/2006--COLONIAL_BANCGROUP

related topics

{regulation, change, law}

{regulation, government, change}

{competitive, industry, competition}

{acquisition, growth, future}

{condition, economic, financial}

{loan, real, estate}

{stock, price, share}

{personnel, key, retain}

{debt, indebtedness, cash}

{financial, litigation, operation}

{product, liability, claim}

{stock, price, operating}

As a financial services company, our earnings are significantly affected by general business and economic conditions. Our earnings are significantly affected by the fiscal and monetary policies of the federal government and its agencies. The financial services industry is highly competitive. We are heavily regulated by federal agencies. Future legislation could change our competitive position. We depend on the accuracy and completeness of information about customers and counterparties. Consumers may decide not to use banks to complete their financial transactions. Maintaining or increasing our market share depends on market acceptance and regulatory approval of new products and services. The holding company relies on dividends from its subsidiaries for most of its revenue. Our accounting policies and methods determine how we report our financial condition and results of operations, and they may require management to make estimates about matters that are inherently uncertain. We have businesses other than banking. Mortgage Warehouse and Retail Mortgage Banking We have an active acquisition program. Our business could suffer if we fail to attract and retain skilled people. Our stock price can be volatile.

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92339--3/3/2006--COLONIAL_BANCGROUP_INC