1070154--12/13/2007--PROVIDENT_NEW_YORK_BANCORP

related topics
{loan, real, estate}
{provision, law, control}
{condition, economic, financial}
{tax, income, asset}
{system, service, information}
{stock, price, share}
{regulation, change, law}
{competitive, industry, competition}
Our Commercial Real Estate, Commercial Business and Construction Loans Expose Us to Increased Credit Risks. Changes in the Value of Goodwill and Intangible Assets Could Reduce Our Earnings. Our Continuing Concentration of Loans in Our Primary Market Area May Increase Our Risk. Changes in Market Interest Rates Could Adversely Affect Our Financial Condition and Results of Operations. A Breach of Information Security Could Negatively Affect our Earnings We are Subject to Extensive Regulatory Oversight We are subject to competition from both banks and non-banking companies. Various Factors May Make Takeover Attempts More Difficult to Achieve Certificate of incorporation and statutory provisions Required change in control payments and issuance of stock options and recognition

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