1061580--3/1/2007--UCBH_HOLDINGS_INC

related topics
{acquisition, growth, future}
{loan, real, estate}
{loss, insurance, financial}
{regulation, change, law}
{stock, price, share}
{competitive, industry, competition}
{personnel, key, retain}
If we cannot attract deposits, our growth may be inhibited. Our wholesale funding sources may prove insufficient to replace deposits at their maturity and support our future growth. Intense competition exists for loans and deposits. Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio. If the value of real estate in our primary market areas were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us. The loan portfolio may not perform as expected. Changes in government regulation and monetary policy may have an unfavorable impact on the Company. If we are unable to successfully integrate the operations of future acquisitions, the Company s consolidated financial condition and results of operations could be negatively affected. Unanticipated costs relating to the Company s recent acquisitions could reduce its future earnings per share. The Company may engage in further expansion through new branch openings or acquisitions, which could adversely affect net income. UCBH may issue additional capital stock in the future.

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