1005409--3/17/2006--DIME_COMMUNITY_BANCSHARES_INC

related topics
{loan, real, estate}
{regulation, change, law}
{condition, economic, financial}
The Bank s focus on multifamily and commercial real estate lending may subject it to greater risk of an adverse impact on operations from a decline in the economy. Dependence on economic and real estate conditions and geographic concentration in market area. Increases in interest rates may reduce the Company s profitability. Risks related to changes in laws, government regulation and monetary policy. Competition from other financial institutions in originating loans and attracting deposits may adversely affect profitability. The Bank s focus on multifamily and commercial real estate lending may subject it to greater risk of an adverse impact on operations from a decline in the economy. Dependence on economic and real estate conditions and geographic concentration in market area. Increases in interest rates may reduce the Company s profitability. Risks related to changes in laws, government regulation and monetary policy. Competition from other financial institutions in originating loans and attracting deposits may adversely affect profitability.

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