1025835--3/15/2007--ENTERPRISE_FINANCIAL_SERVICES_CORP

related topics
{loan, real, estate}
{loss, insurance, financial}
{condition, economic, financial}
{acquisition, growth, future}
{cost, operation, labor}
{regulation, government, change}
The Bank s allowance for loan losses may be inadequate, which could impair our earnings. Changes in economic conditions could cause an increase in delinquencies and non-performing assets, including loan charge-offs, which in turn may negatively affect the Company s income and growth. A prolonged flat or inverted yield curve may reduce our net income and cash flows. Because the Bank competes primarily on the basis of the interest rates it offers depositors and the terms of loans it offers borrowers, the Bank s margins could decrease if it were required to increase deposit rates or lower interest rates on loans in response to competitive pressure. A real estate downturn in our geographic markets could hurt our business because a majority of our loans are secured by real estate. Recent supervisory guidance on commercial real estate concentrations could restrict our activities and impose financial requirements or limitations on the conduct of business. Recent and possible future acquisitions could involve risks and challenges that could adversely affect our ability to achieve our profitability goals for acquired businesses or realize anticipated benefits of those acquisitions. Business Continuity Plans may not adequately anticipate all risks. Future Government Regulation Could Hinder Future Performance.

Full 10-K form ▸
related documents
1070296--3/30/2010--FIRST_CAPITAL_INC
856751--12/23/2008--FIRST_KEYSTONE_FINANCIAL_INC
1163370--3/15/2010--NORTHRIM_BANCORP_INC
706129--3/14/2008--HORIZON_BANCORP_/IN/
1472093--3/31/2010--Athens_Bancshares_Corp
1056943--3/16/2007--PEOPLES_FINANCIAL_SERVICES_CORP/
707179--3/8/2006--OLD_NATIONAL_BANCORP_/IN/
706129--3/23/2007--HORIZON_BANCORP_/IN/
1326807--9/15/2006--Investors_Bancorp_Inc
1024321--3/16/2007--BEVERLY_HILLS_BANCORP_INC
1284506--3/17/2009--INTERMOUNTAIN_COMMUNITY_BANCORP
707179--2/27/2008--OLD_NATIONAL_BANCORP_/IN/
763901--3/15/2006--POPULAR_INC
1483195--9/13/2010--Oritani_Financial_Corp
356801--4/2/2007--NATIONAL_CONSUMER_COOPERATIVE_BANK_/DC/
859070--3/13/2008--FIRST_COMMUNITY_BANCSHARES_INC_/NV/
859070--3/12/2007--FIRST_COMMUNITY_BANCSHARES_INC_/NV/
722256--3/15/2007--HUDSON_VALLEY_HOLDING_CORP
1028734--3/15/2006--COBIZ_INC
707179--3/1/2007--OLD_NATIONAL_BANCORP_/IN/
1243800--3/10/2006--RAINIER_PACIFIC_FINANCIAL_GROUP_INC
1123270--3/7/2008--BANK_MUTUAL_CORP
1253317--3/27/2009--OLD_LINE_BANCSHARES_INC
1017793--3/16/2007--SUN_BANCORP_INC_/NJ/
1005409--3/16/2007--DIME_COMMUNITY_BANCSHARES_INC
911631--3/14/2006--TRIAD_GUARANTY_INC
1123270--3/15/2007--BANK_MUTUAL_CORP
1070296--3/30/2006--FIRST_CAPITAL_INC
1094810--3/16/2006--MUTUALFIRST_FINANCIAL_INC
1047865--3/14/2008--WEBSTER_PREFERRED_CAPITAL_CORP