1025536--3/29/2010--TAYLOR_CAPITAL_GROUP

related topics

{capital, credit, financial}

{competitive, industry, competition}

{system, service, information}

{condition, economic, financial}

{loan, real, estate}

{loss, insurance, financial}

{personnel, key, retain}

{debt, indebtedness, cash}

{cost, operation, labor}

{operation, international, foreign}

{product, market, service}

Our business may be adversely affected by the highly regulated environment in which we operate. Regulatory restrictions and liquidity constraints at the holding company level could impair our ability to pay dividends or interest on our outstanding securities. Our regulators could require us to maintain additional regulatory capital. 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. Reduced access to wholesale funding sources may hinder our ability to replace deposit withdrawals and support our operations and future growth. Our participation in the TARP CPP may place significant restrictions on our operations. 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. We may be adversely affected by the soundness of other financial institutions. Fluctuations in interest rates could reduce our profitability. We are subject to certain operational risks, including, but not limited to, data processing system failures and errors and customer or employee fraud. Our business is subject to the conditions of the local economy in which we operate and continued weakness in the local economy and the real estate markets 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. Competition from financial institutions and other financial services providers may adversely affect our growth and profitability. Our business strategy is dependent on our continued ability to attract, develop and retain highly qualified and experienced personnel in senior management and customer relationship positions. New lines of business or new products and services may subject us to certain additional risks. We may experience difficulties in managing our growth. We are subject to security risks relating to our internet banking activities that could damage our reputation and our business. Our reputation could be damaged by negative publicity.

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1025536--3/29/2010--TAYLOR_CAPITAL_GROUP_INC