1102287--3/14/2008--PREMIERWEST_BANCORP

related topics
{loan, real, estate}
{loss, insurance, financial}
{tax, income, asset}
{regulation, government, change}
{acquisition, growth, future}
{product, market, service}
Interest Rate Risk - Our earnings depend upon the spread between the interest rate we receive on loans and securities and the interest rates we pay on deposits and borrowings. Changes in interest rates could adversely impact our net interest margin, net interest income and net income. Credit Risk - Our earnings depend to a large extent upon the ability of our borrowers to repay their loans and our inability to manage credit risk would negatively affect our business. Management Risk - We may not effectively manage our growth or future acquisitions which could adversely affect the quality of our operations and our costs. Acquisition Risk PremierWest acquired Stockmans Financial Group on January 26, 2008. PremierWest may fail to achieve expected revenue increases or realize anticipated cost savings from the Stockmans Financial Group acquisition and combining Stockmans operations into PremeirWest s may be more difficult, costly or time consuming than expected. Competitive Risk - In our intensely competitive markets our competitors offer similar services, which could affect our ability to successfully attract new customers and retain existing customers. Geographic Risk - Our markets are geographically concentrated and regional economic factors that impact our markets will affect our business more than they might a bank holding company with greater Regulatory Risk - Our business is heavily regulated and the creation of additional regulations may negatively affect our operations.

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