1025536--3/11/2009--TAYLOR_CAPITAL_GROUP

related topics

{competitive, industry, competition}

{system, service, information}

{capital, credit, financial}

{condition, economic, financial}

{personnel, key, retain}

{acquisition, growth, future}

{loan, real, estate}

{loss, insurance, financial}

{debt, indebtedness, cash}

{operation, international, foreign}

{product, market, service}

Our business is subject to the conditions of the local economy in which we operate and a continued downturn in the local economy and the real estate market may adversely affect our business. Our business is subject to domestic and international economic conditions and other factors, many of which are beyond our control and could adversely affect our business. Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio. We are subject to lending concentration risks. Our financial condition, results of operations and reputation would be materially adversely impacted if we are unable to respond effectively to unanticipated deposit volatility. Changes in our credit ratings could increase our financing costs or make it more difficult for us to obtain funding or capital on commercially acceptable terms. Reduced access to wholesale funding sources and the brokered CD market may hinder our ability to replace deposit withdrawals and support our operations and future growth. Fluctuations in interest rates could reduce our profitability. Regulatory restrictions and liquidity constraints at the holding company level could impair our ability to pay dividends or interest on our outstanding securities. Our business may be adversely affected by the highly regulated environment in which we operate. Our participation in the TARP CPP may place significant restrictions on our operations. Competition from financial institutions and other financial services providers may adversely affect our growth and profitability. We may be adversely affected by the soundness of other financial institutions. Our business would suffer if our new management team does not work together effectively. Our business strategy is dependent on our ability to attract, develop and retain highly skilled and experienced personnel in our customer relationship positions. We may not be able to execute, or effectively manage, our growth strategy. New lines of business or new products and services may subject us to certain additional risks. The expansion of our asset-based lending initiative may be difficult or expensive and place additional stress on our infrastructure. We are subject to certain operational risks, including, but not limited to, data processing system failures and errors and customer or employee fraud. Our reputation could be damaged by negative publicity. We are subject to security risks relating to our internet banking activities that could damage our reputation and our business.

Full 10-K form ▸

1025536--3/11/2009--TAYLOR_CAPITAL_GROUP_INC