1017793--3/16/2007--SUN_BANCORP_INC_/NJ/

related topics
{loan, real, estate}
{tax, income, asset}
{loss, insurance, financial}
{stock, price, operating}
{acquisition, growth, future}
{regulation, change, law}
The Bank s loan portfolio includes a substantial amount of commercial and industrial loans and commercial real estate loans. The credit risk related to these types of loans is greater than the risk related to residential loans. The concentration of the Bank s commercial and industrial loans and commercial real estate loans in specific business sectors and geographic areas exposes it to the risk of a possible economic downturn affecting those sectors and areas. If the Bank has failed to provide an adequate allowance for loan losses, there could be a significant negative impact on its earnings. The Company may not be able to achieve its growth plans or effectively manage its growth. Competition from other financial institutions in originating loans, attracting deposits and providing various financial services may adversely affect the Company s earnings. Changes in interest rates may reduce the Company s profits. If the goodwill that the Company has recorded in connection with its acquisitions becomes impaired, there could be a negative impact on the Company s profitability. Government regulation significantly affects the Company s business and operations. The amount of common stock held by the Company s executive officers and directors gives them significant influence over the election of the Company s board of directors and other matters that require shareholder approval.

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