930405--3/31/2006--LSB_FINANCIAL_CORP

related topics

{condition, economic, financial}

{regulation, change, law}

{loan, real, estate}

{loss, insurance, financial}

Changes in market interest rates could adversely affect our financial condition and results of operations. The preparation of our financial statements requires the use of estimates that may vary from actual results. An economic slowdown in Tippecanoe County could affect our business. We are subject to extensive regulation which limit the manner and scope of our business activities. Changes in laws, regulations and policies could adversely affect our business. Our increased emphasis on short-term or adjustable rate multi-family, commercial real estate and land development lending and commercial business and consumer lending may expose us to increased credit risk. Competition in our primary market area may reduce our ability to attract and retain deposits and obtain loans.

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