1025536--3/13/2008--TAYLOR_CAPITAL_GROUP

related topics

{system, service, information}

{competitive, industry, competition}

{condition, economic, financial}

{personnel, key, retain}

{acquisition, growth, future}

{loan, real, estate}

{capital, credit, financial}

{loss, insurance, financial}

Our business is subject to the conditions of the local economy in which we operate and a continued downturn in the real estate market may 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. Fluctuations in interest rates could reduce our profitability. Our wholesale funding sources may prove insufficient to replace deposit withdrawals and support our future growth. Our credit ratings from independent rating agencies could increase our financing costs or make it more difficult for us to obtain funding or capital. We may be unable to respond cost effectively to unanticipated deposit volatility created by significant deposit customers. Competition from financial institutions and other financial services providers may adversely affect our growth and profitability. Changes in our management team could negatively impact our business and profitability. 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 our growth strategy. Our business may be adversely affected by the highly regulated environment in which we operate. Our business is subject to the vagaries of domestic and international economic conditions and other factors, many of which are beyond our control and could adversely affect our business. 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--3/13/2008--TAYLOR_CAPITAL_GROUP_INC