1038205--3/11/2010--BANK_OF_THE_OZARKS

related topics

{acquisition, growth, future}

{condition, economic, financial}

{stock, price, share}

{loan, real, estate}

{regulation, change, law}

{competitive, industry, competition}

{stock, price, operating}

{financial, litigation, operation}

{loss, insurance, financial}

{system, service, information}

{operation, natural, condition}

{personnel, key, retain}

{provision, law, control}

{control, financial, internal}

RISKS RELATED TO OUR BUSINESS Our Profitability is Dependent on Our Banking Activities. We Depend on Key Personnel for Our Success. Our Operations are Significantly Affected by Interest Rate Levels. The Fiscal and Monetary Policies of the Federal Government and its Agencies Could Have a Material Adverse Effect on Our Earnings. Our Business Depends on the Condition of the Local and Regional Economies Where We Operate. Our Business May Suffer if There are Significant Declines in the Value of Real Estate. We are Subject to Environmental Liability Risk Associated With Lending Activities. If We Do Not Properly Manage Our Credit Risk, Our Business Could Be Seriously Harmed. We Make and Hold in Our Loan and Lease Portfolio a Significant Number of Construction/Land Development, Non-Farm/Non-Residential and Other Real Estate Loans. We Could Experience Deficiencies in Our Allowance for Loan and Lease Losses. The Performance of Our Investment Securities Portfolio is Subject to Fluctuation Due to Changes in Interest Rates and Market Conditions. Our Recent Results May Not Be Indicative of Our Future Results. Our FDIC Deposit Insurance Premiums Will Continue to Increase. To Successfully Implement Our Growth and Branching Strategy, We Must Expand Our Operations in Both New and Existing Markets. Volatility and Disruptions in the Functioning of the Financial Markets and Related Liquidity Issues Could Continue or Worsen. We Face Strong Competition in Our Markets The Soundness of Other Financial Institutions Could Adversely Affect Us. We Depend on the Accuracy and Completeness of Information About Customers. We May Be Subject to Claims and Litigation Asserting Lender Liability. Our Internal Operations are Subject to a Number of Risks. We Rely on Certain External Vendors We May Need to Raise Additional Capital in the Future to Continue to Grow, But That Capital May Not Be Available When Needed. Natural Disasters May Adversely Affect Us. RISKS ASSOCIATED WITH OUR INDUSTRY We are Subject to Extensive Government Regulation That Limits or Restricts Our Activities and Could Adversely Impact Our Operations. Newly Enacted and Proposed Legislation and Regulations May Affect Our Operations and Growth. There Can Be No Assurance that Enacted Legislation or Any Proposed Federal Programs Will Stabilize the U.S. Financial System and Such Legislation and Programs May Adversely Affect Us. The Earnings of Financial Services Companies are Significantly Affected by General Business and Economic Conditions. Consumers May Decide Not to Use Local Banks to Complete their Financial Transactions. RISKS ASSOCIATED WITH OUR COMMON STOCK Our Common Stock Price is Affected by a Variety of Factors, Many of Which are Outside Our Control. We Cannot Guarantee That We Will Pay Dividends to Common Shareholders in the Future. Certain State and/or Federal Laws May Deter Potential Acquirors and May Depress Our Stock Price. The Holders of Our Subordinated Debentures Have Rights That are Senior to Those of Our Common Shareholders. Our Directors and Executive Officers Own a Significant Portion of Our Stock. Our Common Stock Trading Volume May Not Provide Adequate Liquidity for Investors. Our Common Stock is Not an Insured Deposit.

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1038205--3/11/2010--BANK_OF_THE_OZARKS_INC