1053352--3/16/2007--HERITAGE_COMMERCE_CORP

related topics
{loss, insurance, financial}
{regulation, change, law}
{condition, economic, financial}
{acquisition, growth, future}
{system, service, information}
{competitive, industry, competition}
{product, market, service}
{loan, real, estate}
Our profitability is dependent upon the economic conditions of the markets in which we operate. Our growth must be effectively managed and our growth strategy involves risks that may impact our net income. We must compete with other banks and financial institutions in all lines of business. Interest rates and other conditions impact our results of operations. We must effectively manage our credit risk. Our allowance for loan losses must be managed to provide a sufficient amount to absorb potential losses in our loan portfolio. Government regulation can result in limitations on our operations. Our allowance for loan losses must be managed to provide a sufficient amount to absorb potential losses in our loan portfolio. Government regulation can result in limitations on our operations. Government regulation can result in limitations on our operations. Technology is continually changing and we must effectively implement new technologies. System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities. Our loan portfolio has a large concentration of real estate loans, which involve risks specific to real estate value. Our construction and development loans are based upon estimates of costs and value associated with the complete project. These estimates may be inaccurate and we may be exposed to more losses on these projects than on other loans.

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