NASDAQ, ESSA - Essa Bancorp Inc
This Annual Report contains certain ?forward-looking statements? which may be
identified by the use of words such as ?believe,? ?expect,? ?anticipate,?
?should,? ?planned,? ?estimated? and ?potential.? Examples of forward-looking
statements include, but are not limited to, estimates with respect to our
financial condition, results of operations and business that are subject to
various factors which could cause actual results to differ materially from these
estimates and most other statements that are not historical in nature. These
factors include, but are not limited to, general and local economic conditions,
changes in interest rates, deposit flows, demand for mortgage, and other loans,
real estate values, competition, changes in accounting principles, policies, or
guidelines, changes in legislation or regulation, and other economic,
competitive, governmental, regulatory, and technological factors affecting our
operations, pricing products and services. ...
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