1024321--3/17/2008--BEVERLY_HILLS_BANCORP_INC

related topics
{loan, real, estate}
{condition, economic, financial}
{tax, income, asset}
{competitive, industry, competition}
{loss, insurance, financial}
{cost, operation, labor}
{regulation, government, change}
We face risk from changes in interest rates. We face risk from possible declines in the quality of our assets. Our allowances for loan losses may be inadequate. We have a significant concentration of loans in California. An increasing portion of our loan portfolio consists of construction loans to developers for properties for resale to unidentified buyers. Recent negative developments in the financial industry and U.S. and global credit markets may impact our operations and results. Liquidity risk could impair our ability to fund operations and jeopardize our financial condition. Managing reputational risk is important to attracting and maintaining customers, investors and employees. Our business is highly competitive. Our business is heavily regulated. We may not be able to fully utilize our deferred tax assets.

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